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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 December 31, 2015
Federal Reserve System Identifier 675341




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$35,438$38,930$35,060
Loans Receivable, Net9,2169,0256,712
Mortgage-Backed Securities7699951,054
Investments15,49917,34619,043
Deposits28,28731,90928,587
Borrowings000
Equity6,3976,2875,742
Net Interest Income1,0481,0291,026
Fee Income152920
Overhead862879808
Net Operating Income312534387
Net Income246234187
Ratio Analysis Profitability%%%
Return on Assets *0.660.630.51
Operating Return on Assets *0.841.431.05
Return on Equity *3.833.763.12
Net Interest Margin *3.032.923.02
Fee Income / Assets *0.040.080.05
Overhead / Assets *2.322.362.18
Efficiency Ratio77.0369.0579.37
Asset Quality%%%
Nonperforming Assets / Assets0.750.150.51
Nonperforming Assets / Equity & Loss Reserves4.060.933.06
Loss Reserves / Nonperforming Loans57.781440.007050.00
1-4 Fam Mtg + MBS / Assets3.713.183.96
Commercial Real Estate Loans / Assets2.962.271.96
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.342.893.34
Consumer Loans / Assets1.871.921.53
Capitalization%%%
Equity / Assets18.0516.1516.38
Tangible Capital / Tangible Assets18.0516.1516.38
Risk-based Capital Ratio39.1917.4717.47
Liquidity%%%
Loans / Deposits32.5828.2823.48
Non-Interest Bearing Deposits / Deposits9.628.598.87
Purchased Liabilities1.461.300.00

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