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 June 30, 2014
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$78,330$75,803$77,293
Loans Receivable, Net41,80238,68231,975
Mortgage-Backed Securities000
Investments32,11432,69335,896
Deposits69,67168,19969,131
Borrowings04220
Equity8,1846,6547,220
Net Interest Income1,1762,1611,920
Fee Income4910681
Overhead4921,0291,088
Net Operating Income7731,4871,281
Net Income6481,2471,017
Ratio Analysis Profitability%%%
Return on Assets *1.581.701.42
Operating Return on Assets *1.922.031.79
Return on Equity *16.2518.2114.48
Net Interest Margin *3.103.072.75
Fee Income / Assets *0.140.140.11
Overhead / Assets *1.381.401.52
Efficiency Ratio39.5842.9853.39
Asset Quality%%%
Nonperforming Assets / Assets0.000.020.01
Nonperforming Assets / Equity & Loss Reserves0.010.260.05
Loss Reserves / Nonperforming Loans40300.001861.117550.00
1-4 Fam Mtg + MBS / Assets9.419.557.62
Commercial Real Estate Loans / Assets5.577.485.07
Construction Loans / Assets0.320.110.00
Commercial & Industrial Loans / Assets8.136.455.85
Consumer Loans / Assets3.904.403.67
Capitalization%%%
Equity / Assets10.458.789.34
Tangible Capital / Tangible Assets10.458.789.34
Risk-based Capital Ratio15.1614.3413.66
Liquidity%%%
Loans / Deposits60.0056.7246.25
Non-Interest Bearing Deposits / Deposits13.5719.7028.27
Purchased Liabilities5.102.680.90

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