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 December 31, 2013
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$35,060$33,208$30,855
Loans Receivable, Net6,7127,7377,578
Mortgage-Backed Securities1,0541,5872,589
Investments19,04317,61715,449
Deposits28,58726,20424,462
Borrowings000
Equity5,7426,2805,666
Net Interest Income1,0261,022908
Fee Income201622
Overhead8087981,117
Net Operating Income387380236
Net Income187380236
Ratio Analysis Profitability%%%
Return on Assets *0.511.120.75
Operating Return on Assets *1.051.120.75
Return on Equity *3.126.274.27
Net Interest Margin *3.023.333.27
Fee Income / Assets *0.050.050.07
Overhead / Assets *2.182.363.58
Efficiency Ratio79.3778.16111.03
Asset Quality%%%
Nonperforming Assets / Assets0.511.722.41
Nonperforming Assets / Equity & Loss Reserves3.068.8312.60
Loss Reserves / Nonperforming Loans7050.0090.913.04
1-4 Fam Mtg + MBS / Assets3.966.059.71
Commercial Real Estate Loans / Assets1.962.953.19
Construction Loans / Assets0.000.450.49
Commercial & Industrial Loans / Assets3.345.123.51
Consumer Loans / Assets1.531.551.52
Capitalization%%%
Equity / Assets16.3818.9118.36
Tangible Capital / Tangible Assets16.3818.9118.36
Risk-based Capital Ratio17.4719.1720.01
Liquidity%%%
Loans / Deposits23.4829.5330.98
Non-Interest Bearing Deposits / Deposits8.879.2611.55
Purchased Liabilities0.000.6011.65

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