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 March 31, 2014
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$76,967$75,803$77,293
Loans Receivable, Net40,57538,68231,975
Mortgage-Backed Securities000
Investments30,95932,69335,896
Deposits68,95068,19969,131
Borrowings04220
Equity7,5166,6547,220
Net Interest Income5742,1611,920
Fee Income2510681
Overhead2461,0291,088
Net Operating Income3521,4871,281
Net Income2901,2471,017
Ratio Analysis Profitability%%%
Return on Assets *1.591.701.42
Operating Return on Assets *1.932.031.79
Return on Equity *17.0018.2114.48
Net Interest Margin *3.043.072.75
Fee Income / Assets *0.140.140.11
Overhead / Assets *1.391.401.52
Efficiency Ratio40.1342.9853.39
Asset Quality%%%
Nonperforming Assets / Assets0.060.020.01
Nonperforming Assets / Equity & Loss Reserves0.580.260.05
Loss Reserves / Nonperforming Loans817.391861.117550.00
1-4 Fam Mtg + MBS / Assets9.259.557.62
Commercial Real Estate Loans / Assets7.007.485.07
Construction Loans / Assets0.130.110.00
Commercial & Industrial Loans / Assets8.446.455.85
Consumer Loans / Assets3.804.403.67
Capitalization%%%
Equity / Assets9.778.789.34
Tangible Capital / Tangible Assets9.778.789.34
Risk-based Capital Ratio14.8014.3413.66
Liquidity%%%
Loans / Deposits58.8556.7246.25
Non-Interest Bearing Deposits / Deposits20.0519.7028.27
Purchased Liabilities5.162.680.90

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