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SAFE & SOUND® STAR RATINGS

ATKINS SAVINGS BANK & TRUST

97 MAIN AVENUE
ATKINS, Iowa 52206

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$81,829$80,974$75,803
Loans Receivable, Net49,22645,77838,682
Mortgage-Backed Securities000
Investments26,58231,06432,693
Deposits71,21771,68568,199
Borrowings6410422
Equity9,3658,6576,654
Net Interest Income2,5252,4142,161
Fee Income116101106
Overhead1,2061,1061,029
Net Operating Income1,3611,4921,487
Net Income1,0071,2411,247
Ratio Analysis Profitability%%%
Return on Assets *1.251.591.70
Operating Return on Assets *1.691.912.03
Return on Equity *11.0515.0418.21
Net Interest Margin *3.283.163.07
Fee Income / Assets *0.140.130.14
Overhead / Assets *1.501.421.40
Efficiency Ratio44.8343.1942.98
Asset Quality%%%
Nonperforming Assets / Assets0.020.040.02
Nonperforming Assets / Equity & Loss Reserves0.140.370.26
Loss Reserves / Nonperforming Loans4450.001323.531861.11
1-4 Fam Mtg + MBS / Assets13.218.879.55
Commercial Real Estate Loans / Assets3.396.897.48
Construction Loans / Assets0.920.300.11
Commercial & Industrial Loans / Assets7.857.316.45
Consumer Loans / Assets3.683.744.40
Capitalization%%%
Equity / Assets11.4410.698.78
Tangible Capital / Tangible Assets11.4410.698.78
Risk-based Capital Ratio16.7714.7714.34
Liquidity%%%
Loans / Deposits69.1263.8656.72
Non-Interest Bearing Deposits / Deposits19.6921.7619.70
Purchased Liabilities6.575.262.68

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