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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 September 30, 2015
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$35,480$38,930$35,060
Loans Receivable, Net8,5649,0256,712
Mortgage-Backed Securities8159951,054
Investments15,85817,34619,043
Deposits28,24831,90928,587
Borrowings000
Equity6,4876,2875,742
Net Interest Income7991,0291,026
Fee Income112920
Overhead595879808
Net Operating Income276534387
Net Income227234187
Ratio Analysis Profitability%%%
Return on Assets *0.750.630.51
Operating Return on Assets *1.671.431.05
Return on Equity *4.443.763.12
Net Interest Margin *3.002.923.02
Fee Income / Assets *0.070.080.05
Overhead / Assets *2.252.362.18
Efficiency Ratio68.3169.0579.37
Asset Quality%%%
Nonperforming Assets / Assets0.720.150.51
Nonperforming Assets / Equity & Loss Reserves3.800.933.06
Loss Reserves / Nonperforming Loans94.121440.007050.00
1-4 Fam Mtg + MBS / Assets2.913.183.96
Commercial Real Estate Loans / Assets3.012.271.96
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.462.893.34
Consumer Loans / Assets1.631.921.53
Capitalization%%%
Equity / Assets18.2816.1516.38
Tangible Capital / Tangible Assets18.2816.1516.38
Risk-based Capital Ratio41.0817.4717.47
Liquidity%%%
Loans / Deposits30.3228.2823.48
Non-Interest Bearing Deposits / Deposits8.278.598.87
Purchased Liabilities1.451.300.00

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