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SAFE & SOUND® STAR RATINGS

Financial statement

ATKINS SAVINGS BANK & TRUST
97 MAIN AVENUE
ATKINS, Iowa 52206

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$77,293$69,800$62,044
Loans Receivable, Net31,97528,65027,966
Mortgage-Backed Securities000
Investments35,89629,97624,897
Deposits69,13162,68757,113
Borrowings000
Equity7,2206,3124,396
Net Interest Income1,9201,8391,747
Fee Income816571
Overhead1,0881,121933
Net Operating Income1,281815710
Net Income1,017763710
Ratio Analysis Profitability%%%
Return on Assets *1.421.181.19
Operating Return on Assets *1.791.261.19
Return on Equity *14.4813.0814.95
Net Interest Margin *2.752.993.14
Fee Income / Assets *0.110.100.12
Overhead / Assets *1.521.741.57
Efficiency Ratio53.3957.0849.79
Asset Quality%%%
Nonperforming Assets / Assets0.010.010.11
Nonperforming Assets / Equity & Loss Reserves0.050.121.43
Loss Reserves / Nonperforming Loans7550.001.310.99
1-4 Fam Mtg + MBS / Assets7.627.687.81
Commercial Real Estate Loans / Assets5.076.296.78
Construction Loans / Assets0.000.000.23
Commercial & Industrial Loans / Assets5.855.156.18
Consumer Loans / Assets3.674.264.99
Capitalization%%%
Equity / Assets9.349.047.09
Tangible Capital / Tangible Assets9.349.047.09
Risk-based Capital Ratio13.6613.4912.90
Liquidity%%%
Loans / Deposits46.2545.7048.97
Non-Interest Bearing Deposits / Deposits28.2716.2616.75
Purchased Liabilities0.9012.6610.71

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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