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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 September 30, 2015
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$78,416$80,974$75,803
Loans Receivable, Net47,36345,77838,682
Mortgage-Backed Securities000
Investments27,07631,06432,693
Deposits68,00671,68568,199
Borrowings4820422
Equity9,4238,6576,654
Net Interest Income1,8892,4142,161
Fee Income91101106
Overhead7601,1061,029
Net Operating Income1,1191,4921,487
Net Income8701,2411,247
Ratio Analysis Profitability%%%
Return on Assets *1.401.591.70
Operating Return on Assets *1.791.912.03
Return on Equity *12.5915.0418.21
Net Interest Margin *3.243.163.07
Fee Income / Assets *0.150.130.14
Overhead / Assets *1.421.421.40
Efficiency Ratio37.9843.1942.98
Asset Quality%%%
Nonperforming Assets / Assets0.230.040.02
Nonperforming Assets / Equity & Loss Reserves1.840.370.26
Loss Reserves / Nonperforming Loans326.631323.531861.11
1-4 Fam Mtg + MBS / Assets9.128.879.55
Commercial Real Estate Loans / Assets6.816.897.48
Construction Loans / Assets0.760.300.11
Commercial & Industrial Loans / Assets8.507.316.45
Consumer Loans / Assets3.823.744.40
Capitalization%%%
Equity / Assets12.0210.698.78
Tangible Capital / Tangible Assets12.0210.698.78
Risk-based Capital Ratio16.3814.7714.34
Liquidity%%%
Loans / Deposits69.6563.8656.72
Non-Interest Bearing Deposits / Deposits17.2921.7619.70
Purchased Liabilities6.935.262.68

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