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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, 2015
Federal Reserve System Identifier 337247




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$55,242$52,515$51,567
Loans Receivable, Net25,80322,73419,950
Mortgage-Backed Securities000
Investments27,26827,46328,544
Deposits39,62239,89239,412
Borrowings5,6592,9573,862
Equity9,8379,5558,197
Net Interest Income4131,6171,584
Fee Income165964
Overhead201761700
Net Operating Income2391,0751,031
Net Income2271,021980
Ratio Analysis Profitability%%%
Return on Assets *1.971.971.86
Operating Return on Assets *2.072.071.96
Return on Equity *10.9511.1211.58
Net Interest Margin *3.243.263.19
Fee Income / Assets *0.120.110.12
Overhead / Assets *1.441.461.33
Efficiency Ratio45.6843.3641.49
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.01
Nonperforming Assets / Equity & Loss Reserves0.000.000.04
Loss Reserves / Nonperforming Loansn/an/a10300.00
1-4 Fam Mtg + MBS / Assets10.0810.139.88
Commercial Real Estate Loans / Assets1.991.661.90
Construction Loans / Assets1.111.931.32
Commercial & Industrial Loans / Assets11.7410.739.99
Consumer Loans / Assets1.992.192.31
Capitalization%%%
Equity / Assets17.8118.1915.90
Tangible Capital / Tangible Assets17.8118.1915.90
Risk-based Capital Ratio25.4927.5927.71
Liquidity%%%
Loans / Deposits65.1256.9950.62
Non-Interest Bearing Deposits / Deposits11.1711.6912.27
Purchased Liabilities13.609.1411.03

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