SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN SAVINGS BANK
312 SOUTH MAIN STREET
TRIPOLI, Iowa 50676

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 337247




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$51,567$54,381$50,921
Loans Receivable, Net19,95022,96023,670
Mortgage-Backed Securities000
Investments28,54428,04023,077
Deposits39,41241,56938,813
Borrowings3,8623,4103,552
Equity8,1979,2558,401
Net Interest Income1,5841,6551,585
Fee Income646865
Overhead700691756
Net Operating Income1,0311,1501,014
Net Income9801,093964
Ratio Analysis Profitability%%%
Return on Assets *1.862.061.92
Operating Return on Assets *1.962.162.02
Return on Equity *11.5812.0511.96
Net Interest Margin *3.193.193.32
Fee Income / Assets *0.120.130.13
Overhead / Assets *1.331.301.51
Efficiency Ratio41.4939.4043.85
Asset Quality%%%
Nonperforming Assets / Assets0.010.010.54
Nonperforming Assets / Equity & Loss Reserves0.040.043.17
Loss Reserves / Nonperforming Loans10300.007725.001.31
1-4 Fam Mtg + MBS / Assets9.8810.7211.99
Commercial Real Estate Loans / Assets1.904.356.07
Construction Loans / Assets1.322.841.61
Commercial & Industrial Loans / Assets9.996.084.42
Consumer Loans / Assets2.312.163.15
Capitalization%%%
Equity / Assets15.9017.0216.50
Tangible Capital / Tangible Assets15.9017.0216.50
Risk-based Capital Ratio27.7124.9425.04
Liquidity%%%
Loans / Deposits50.6255.2360.98
Non-Interest Bearing Deposits / Deposits12.2710.2610.50
Purchased Liabilities11.0310.0616.45

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