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SAFE & SOUND® STAR RATINGS

AMERICAN TRUST & SAVINGS BANK

309 MCKINLEY AVENUE
LOWDEN, Iowa 52255

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$38,029$38,930$35,060
Loans Receivable, Net9,5099,0256,712
Mortgage-Backed Securities9369951,054
Investments17,23317,34619,043
Deposits30,82631,90928,587
Borrowings000
Equity6,4676,2875,742
Net Interest Income2661,0291,026
Fee Income32920
Overhead188879808
Net Operating Income98534387
Net Income82234187
Ratio Analysis Profitability%%%
Return on Assets *0.690.630.51
Operating Return on Assets *1.521.431.05
Return on Equity *4.123.763.12
Net Interest Margin *2.862.923.02
Fee Income / Assets *0.070.080.05
Overhead / Assets *2.232.362.18
Efficiency Ratio65.7369.0579.37
Asset Quality%%%
Nonperforming Assets / Assets0.130.150.51
Nonperforming Assets / Equity & Loss Reserves0.750.933.06
Loss Reserves / Nonperforming Loansn/a1440.007050.00
1-4 Fam Mtg + MBS / Assets3.073.183.96
Commercial Real Estate Loans / Assets3.002.271.96
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.682.893.34
Consumer Loans / Assets1.801.921.53
Capitalization%%%
Equity / Assets17.0116.1516.38
Tangible Capital / Tangible Assets17.0116.1516.38
Risk-based Capital Ratio35.5017.4717.47
Liquidity%%%
Loans / Deposits30.8528.2823.48
Non-Interest Bearing Deposits / Deposits9.518.598.87
Purchased Liabilities1.351.300.00

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