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SAFE & SOUND® STAR RATINGS

ATKINS SAVINGS BANK & TRUST

97 MAIN AVENUE
ATKINS, Iowa 52206

STAR RATING: 5 starstarstarstarstar
Predictive Indicator - (decline)
As of December 31, 2014
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$80,974$75,803$77,293
Loans Receivable, Net45,77838,68231,975
Mortgage-Backed Securities000
Investments31,06432,69335,896
Deposits71,68568,19969,131
Borrowings04220
Equity8,6576,6547,220
Net Interest Income2,4142,1611,920
Fee Income10110681
Overhead1,1061,0291,088
Net Operating Income1,4921,4871,281
Net Income1,2411,2471,017
Ratio Analysis Profitability%%%
Return on Assets *1.591.701.42
Operating Return on Assets *1.912.031.79
Return on Equity *15.0418.2114.48
Net Interest Margin *3.163.072.75
Fee Income / Assets *0.130.140.11
Overhead / Assets *1.421.401.52
Efficiency Ratio43.1942.9853.39
Asset Quality%%%
Nonperforming Assets / Assets0.040.020.01
Nonperforming Assets / Equity & Loss Reserves0.370.260.05
Loss Reserves / Nonperforming Loans1323.531861.117550.00
1-4 Fam Mtg + MBS / Assets8.879.557.62
Commercial Real Estate Loans / Assets6.897.485.07
Construction Loans / Assets0.300.110.00
Commercial & Industrial Loans / Assets7.316.455.85
Consumer Loans / Assets3.744.403.67
Capitalization%%%
Equity / Assets10.698.789.34
Tangible Capital / Tangible Assets10.698.789.34
Risk-based Capital Ratio14.7714.3413.66
Liquidity%%%
Loans / Deposits63.8656.7246.25
Non-Interest Bearing Deposits / Deposits21.7619.7028.27
Purchased Liabilities5.262.680.90

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