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SAFE & SOUND® STAR RATINGS

AMERICAN SAVINGS BANK

312 SOUTH MAIN STREET
TRIPOLI, Iowa 50676

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 337247




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$53,845$55,722$52,515
Loans Receivable, Net26,02325,97922,734
Mortgage-Backed Securities000
Investments25,43326,08827,463
Deposits41,76543,95939,892
Borrowings1,8021,7282,957
Equity10,1599,9339,555
Net Interest Income4251,6861,617
Fee Income126559
Overhead210789761
Net Operating Income2421,0041,075
Net Income2309541,021
Ratio Analysis Profitability%%%
Return on Assets *1.721.751.97
Operating Return on Assets *1.811.842.07
Return on Equity *9.699.7411.12
Net Interest Margin *3.273.223.26
Fee Income / Assets *0.110.120.11
Overhead / Assets *1.431.451.46
Efficiency Ratio47.3044.0543.36
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets9.489.7610.13
Commercial Real Estate Loans / Assets1.931.911.66
Construction Loans / Assets1.091.151.93
Commercial & Industrial Loans / Assets13.0612.8710.73
Consumer Loans / Assets1.741.582.19
Capitalization%%%
Equity / Assets18.8717.8318.19
Tangible Capital / Tangible Assets18.8717.8318.19
Risk-based Capital Ratio26.9326.5927.59
Liquidity%%%
Loans / Deposits62.3159.1056.99
Non-Interest Bearing Deposits / Deposits11.099.9711.69
Purchased Liabilities12.8115.279.14

* Calculations are based on the latest four quarters of income and expense.
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