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SAFE & SOUND® STAR RATINGS

AMERICAN TRUST & SAVINGS BANK

309 MCKINLEY AVENUE
LOWDEN, Iowa 52255

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$35,840$35,438$38,930
Loans Receivable, Net9,8439,2169,025
Mortgage-Backed Securities737769995
Investments14,35515,49917,346
Deposits28,53128,28731,909
Borrowings000
Equity6,5516,3976,287
Net Interest Income2531,0481,029
Fee Income31529
Overhead204862879
Net Operating Income55312534
Net Income39246234
Ratio Analysis Profitability%%%
Return on Assets *0.550.660.63
Operating Return on Assets *0.730.841.43
Return on Equity *3.153.833.76
Net Interest Margin *3.043.032.92
Fee Income / Assets *0.040.040.08
Overhead / Assets *2.402.322.36
Efficiency Ratio78.7677.0369.05
Asset Quality%%%
Nonperforming Assets / Assets0.700.750.15
Nonperforming Assets / Equity & Loss Reserves3.754.060.93
Loss Reserves / Nonperforming Loans68.7257.781440.00
1-4 Fam Mtg + MBS / Assets3.693.713.18
Commercial Real Estate Loans / Assets2.852.962.27
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.332.342.89
Consumer Loans / Assets1.941.871.92
Capitalization%%%
Equity / Assets18.2818.0516.15
Tangible Capital / Tangible Assets18.2818.0516.15
Risk-based Capital Ratio38.0739.1917.47
Liquidity%%%
Loans / Deposits34.5032.5828.28
Non-Interest Bearing Deposits / Deposits9.819.628.59
Purchased Liabilities1.451.461.30

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