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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 March 31, 2016
Federal Reserve System Identifier 739346




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$78,731$81,829$80,974
Loans Receivable, Net50,71949,22645,778
Mortgage-Backed Securities000
Investments24,14326,58231,064
Deposits68,25971,21771,685
Borrowings06410
Equity9,8989,3658,657
Net Interest Income6322,5252,414
Fee Income31116101
Overhead2611,2061,106
Net Operating Income3981,3611,492
Net Income3421,0071,241
Ratio Analysis Profitability%%%
Return on Assets *1.251.251.59
Operating Return on Assets *1.681.691.91
Return on Equity *10.8311.0515.04
Net Interest Margin *3.293.283.16
Fee Income / Assets *0.150.140.13
Overhead / Assets *1.481.501.42
Efficiency Ratio38.6744.8343.19
Asset Quality%%%
Nonperforming Assets / Assets0.090.020.04
Nonperforming Assets / Equity & Loss Reserves0.680.140.37
Loss Reserves / Nonperforming Loans875.004450.001323.53
1-4 Fam Mtg + MBS / Assets13.6613.218.87
Commercial Real Estate Loans / Assets3.643.396.89
Construction Loans / Assets1.120.920.30
Commercial & Industrial Loans / Assets8.447.857.31
Consumer Loans / Assets3.563.683.74
Capitalization%%%
Equity / Assets12.5711.4410.69
Tangible Capital / Tangible Assets12.5711.4410.69
Risk-based Capital Ratio17.8916.7714.77
Liquidity%%%
Loans / Deposits74.3069.1263.86
Non-Interest Bearing Deposits / Deposits17.7719.6921.76
Purchased Liabilities5.406.575.26

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