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 September 30, 2014
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$39,322$35,060$33,208
Loans Receivable, Net7,2086,7127,737
Mortgage-Backed Securities1,0481,0541,587
Investments18,60519,04317,617
Deposits32,26828,58726,204
Borrowings000
Equity6,3155,7426,280
Net Interest Income7651,0261,022
Fee Income152016
Overhead621808798
Net Operating Income177387380
Net Income177187380
Ratio Analysis Profitability%%%
Return on Assets *0.400.511.12
Operating Return on Assets *0.951.051.12
Return on Equity *2.403.126.27
Net Interest Margin *2.963.023.33
Fee Income / Assets *0.050.050.05
Overhead / Assets *2.392.182.36
Efficiency Ratio79.0179.3778.16
Asset Quality%%%
Nonperforming Assets / Assets0.260.511.72
Nonperforming Assets / Equity & Loss Reserves1.573.068.83
Loss Reserves / Nonperforming Loans12950.007050.0090.91
1-4 Fam Mtg + MBS / Assets3.313.966.05
Commercial Real Estate Loans / Assets1.681.962.95
Construction Loans / Assets0.000.000.45
Commercial & Industrial Loans / Assets2.443.345.12
Consumer Loans / Assets2.341.531.55
Capitalization%%%
Equity / Assets16.0616.3818.91
Tangible Capital / Tangible Assets16.0616.3818.91
Risk-based Capital Ratio17.3117.4719.17
Liquidity%%%
Loans / Deposits22.3423.4829.53
Non-Interest Bearing Deposits / Deposits8.138.879.26
Purchased Liabilities1.290.000.60

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