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 June 30, 2014
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$35,650$35,060$33,208
Loans Receivable, Net7,3126,7127,737
Mortgage-Backed Securities9391,0541,587
Investments18,69819,04317,617
Deposits28,63428,58726,204
Borrowings000
Equity6,2725,7426,280
Net Interest Income5161,0261,022
Fee Income102016
Overhead417808798
Net Operating Income120387380
Net Income120187380
Ratio Analysis Profitability%%%
Return on Assets *0.480.511.12
Operating Return on Assets *1.031.051.12
Return on Equity *2.953.126.27
Net Interest Margin *3.163.023.33
Fee Income / Assets *0.050.050.05
Overhead / Assets *2.362.182.36
Efficiency Ratio78.6879.3778.16
Asset Quality%%%
Nonperforming Assets / Assets0.360.511.72
Nonperforming Assets / Equity & Loss Reserves2.003.068.83
Loss Reserves / Nonperforming Loans12100.007050.0090.91
1-4 Fam Mtg + MBS / Assets3.383.966.05
Commercial Real Estate Loans / Assets1.881.962.95
Construction Loans / Assets0.000.000.45
Commercial & Industrial Loans / Assets2.873.345.12
Consumer Loans / Assets1.481.531.55
Capitalization%%%
Equity / Assets17.5916.3818.91
Tangible Capital / Tangible Assets17.5916.3818.91
Risk-based Capital Ratio18.9117.4719.17
Liquidity%%%
Loans / Deposits25.5423.4829.53
Non-Interest Bearing Deposits / Deposits9.208.879.26
Purchased Liabilities1.410.000.60

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