Safe & Sound » Bank Ratings » AMERICAN TRUST & SAVINGS BANK


SAFE & SOUND® STAR RATINGS

AMERICAN TRUST & SAVINGS BANK

309 MCKINLEY AVENUE
LOWDEN, Iowa 52255

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of December 31, 2014
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$38,930$35,060$33,208
Loans Receivable, Net9,0256,7127,737
Mortgage-Backed Securities9951,0541,587
Investments17,34619,04317,617
Deposits31,90928,58726,204
Borrowings000
Equity6,2875,7426,280
Net Interest Income1,0291,0261,022
Fee Income292016
Overhead879808798
Net Operating Income534387380
Net Income234187380
Ratio Analysis Profitability%%%
Return on Assets *0.630.511.12
Operating Return on Assets *1.431.051.12
Return on Equity *3.763.126.27
Net Interest Margin *2.923.023.33
Fee Income / Assets *0.080.050.05
Overhead / Assets *2.362.182.36
Efficiency Ratio69.0579.3778.16
Asset Quality%%%
Nonperforming Assets / Assets0.150.511.72
Nonperforming Assets / Equity & Loss Reserves0.933.068.83
Loss Reserves / Nonperforming Loans1440.007050.0090.91
1-4 Fam Mtg + MBS / Assets3.183.966.05
Commercial Real Estate Loans / Assets2.271.962.95
Construction Loans / Assets0.000.000.45
Commercial & Industrial Loans / Assets2.893.345.12
Consumer Loans / Assets1.921.531.55
Capitalization%%%
Equity / Assets16.1516.3818.91
Tangible Capital / Tangible Assets16.1516.3818.91
Risk-based Capital Ratio17.4717.4719.17
Liquidity%%%
Loans / Deposits28.2823.4829.53
Non-Interest Bearing Deposits / Deposits8.598.879.26
Purchased Liabilities1.300.000.60

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

Connect with us