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 December 31, 2013
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$75,803$77,293$69,800
Loans Receivable, Net38,68231,97528,650
Mortgage-Backed Securities000
Investments32,69335,89629,976
Deposits68,19969,13162,687
Borrowings42200
Equity6,6547,2206,312
Net Interest Income2,1611,9201,839
Fee Income1068165
Overhead1,0291,0881,121
Net Operating Income1,4871,281815
Net Income1,2471,017763
Ratio Analysis Profitability%%%
Return on Assets *1.701.421.18
Operating Return on Assets *2.031.791.26
Return on Equity *18.2114.4813.08
Net Interest Margin *3.072.752.99
Fee Income / Assets *0.140.110.10
Overhead / Assets *1.401.521.74
Efficiency Ratio42.9853.3957.08
Asset Quality%%%
Nonperforming Assets / Assets0.020.010.01
Nonperforming Assets / Equity & Loss Reserves0.260.050.12
Loss Reserves / Nonperforming Loans1861.117550.001.31
1-4 Fam Mtg + MBS / Assets9.557.627.68
Commercial Real Estate Loans / Assets7.485.076.29
Construction Loans / Assets0.110.000.00
Commercial & Industrial Loans / Assets6.455.855.15
Consumer Loans / Assets4.403.674.26
Capitalization%%%
Equity / Assets8.789.349.04
Tangible Capital / Tangible Assets8.789.349.04
Risk-based Capital Ratio14.3413.6613.49
Liquidity%%%
Loans / Deposits56.7246.2545.70
Non-Interest Bearing Deposits / Deposits19.7028.2716.26
Purchased Liabilities2.680.9012.66

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