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SAFE & SOUND® STAR RATINGS

ATKINS SAVINGS BANK & TRUST

97 MAIN AVENUE
ATKINS, Iowa 52206

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$79,209$80,974$75,803
Loans Receivable, Net46,33145,77838,682
Mortgage-Backed Securities000
Investments28,23931,06432,693
Deposits69,64071,68568,199
Borrowings00422
Equity8,9848,6576,654
Net Interest Income6262,4142,161
Fee Income29101106
Overhead2731,1061,029
Net Operating Income4001,4921,487
Net Income3371,2411,247
Ratio Analysis Profitability%%%
Return on Assets *1.631.591.70
Operating Return on Assets *1.941.912.03
Return on Equity *14.9515.0418.21
Net Interest Margin *3.213.163.07
Fee Income / Assets *0.130.130.14
Overhead / Assets *1.431.421.40
Efficiency Ratio41.0543.1942.98
Asset Quality%%%
Nonperforming Assets / Assets0.150.040.02
Nonperforming Assets / Equity & Loss Reserves1.290.370.26
Loss Reserves / Nonperforming Loans366.391323.531861.11
1-4 Fam Mtg + MBS / Assets8.778.879.55
Commercial Real Estate Loans / Assets6.826.897.48
Construction Loans / Assets0.620.300.11
Commercial & Industrial Loans / Assets7.497.316.45
Consumer Loans / Assets3.393.744.40
Capitalization%%%
Equity / Assets11.3410.698.78
Tangible Capital / Tangible Assets11.3410.698.78
Risk-based Capital Ratio13.7414.7714.34
Liquidity%%%
Loans / Deposits66.5363.8656.72
Non-Interest Bearing Deposits / Deposits18.1321.7619.70
Purchased Liabilities5.625.262.68

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