SAFE & SOUND® STAR RATINGS

Financial statement

ATKINS SAVINGS BANK & TRUST
97 MAIN AVENUE
ATKINS, Iowa 52206

STAR RATING: 5 starstarstarstarstar
Predictive Indicator - (decline)
As of September 30, 2014
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$77,995$75,803$77,293
Loans Receivable, Net41,98438,68231,975
Mortgage-Backed Securities000
Investments32,24132,69335,896
Deposits68,79368,19969,131
Borrowings04220
Equity8,6436,6547,220
Net Interest Income1,7962,1611,920
Fee Income7510681
Overhead7301,0291,088
Net Operating Income1,1741,4871,281
Net Income9861,2471,017
Ratio Analysis Profitability%%%
Return on Assets *1.581.701.42
Operating Return on Assets *1.932.031.79
Return on Equity *15.6218.2114.48
Net Interest Margin *3.213.072.75
Fee Income / Assets *0.130.140.11
Overhead / Assets *1.381.401.52
Efficiency Ratio38.5442.9853.39
Asset Quality%%%
Nonperforming Assets / Assets0.020.020.01
Nonperforming Assets / Equity & Loss Reserves0.150.260.05
Loss Reserves / Nonperforming Loans3007.141861.117550.00
1-4 Fam Mtg + MBS / Assets9.219.557.62
Commercial Real Estate Loans / Assets6.127.485.07
Construction Loans / Assets0.460.110.00
Commercial & Industrial Loans / Assets7.766.455.85
Consumer Loans / Assets3.904.403.67
Capitalization%%%
Equity / Assets11.088.789.34
Tangible Capital / Tangible Assets11.088.789.34
Risk-based Capital Ratio15.6814.3413.66
Liquidity%%%
Loans / Deposits61.0356.7246.25
Non-Interest Bearing Deposits / Deposits17.8419.7028.27
Purchased Liabilities5.572.680.90

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