SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN TRUST & SAVINGS BANK
309 MCKINLEY AVENUE
LOWDEN, Iowa 52255

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$35,796$35,060$33,208
Loans Receivable, Net7,6476,7127,737
Mortgage-Backed Securities9751,0541,587
Investments19,21919,04317,617
Deposits29,04328,58726,204
Borrowings000
Equity6,0195,7426,280
Net Interest Income2671,0261,022
Fee Income42016
Overhead219808798
Net Operating Income55387380
Net Income55187380
Ratio Analysis Profitability%%%
Return on Assets *0.490.511.12
Operating Return on Assets *1.031.051.12
Return on Equity *3.043.126.27
Net Interest Margin *3.153.023.33
Fee Income / Assets *0.050.050.05
Overhead / Assets *2.272.182.36
Efficiency Ratio80.2279.3778.16
Asset Quality%%%
Nonperforming Assets / Assets0.510.511.72
Nonperforming Assets / Equity & Loss Reserves2.913.068.83
Loss Reserves / Nonperforming Loans6366.677050.0090.91
1-4 Fam Mtg + MBS / Assets3.593.966.05
Commercial Real Estate Loans / Assets1.891.962.95
Construction Loans / Assets0.000.000.45
Commercial & Industrial Loans / Assets3.123.345.12
Consumer Loans / Assets1.471.531.55
Capitalization%%%
Equity / Assets16.8116.3818.91
Tangible Capital / Tangible Assets16.8116.3818.91
Risk-based Capital Ratio17.7817.4719.17
Liquidity%%%
Loans / Deposits26.3323.4829.53
Non-Interest Bearing Deposits / Deposits8.138.879.26
Purchased Liabilities1.410.000.60

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