American Trust & Savings Bank (IA)

American Trust & Savings Bank (IA) is headquartered in Dubuque and is the 15^st largest bank in the state of Iowa. It is also the 765^th largest bank in the nation. It was established in 1905 and as of December of 2011, it had grown to 255 employees at 10 locations. American Trust & Savings Bank (IA)'s money market rates are 4X the national average, and it has a 4-star health rating.

American Trust & Savings Bank (IA) Checking Account Rates

American Trust & Savings Bank (IA) Savings Account Rates

American Trust & Savings Bank (IA) Money Market Rates

American Trust & Savings Bank (IA) CD Rates

Data for Q4 2011

Institution Statistics American Trust & Savings Bank FDIC Certificate # 13150 BankRate Report View Year Established 1905 Employees 255 Primary Regulator FED Assets and Liabilities Assets $860.89 million Loans $634.14 million Deposits $716.70 million Equity Capital $87.43 million Loan Loss Allowance $11.65 million Unbacked Noncurrent Loans $13.94 million Real Estate Owned $10.36 million Historic Data - December 2010 Assets $821.43 million Equity Capital $86.31 million Loan Loss Allowance $11.75 million Unbacked Noncurrent Loans $16.71 million Real Estate Owned $10.70 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.5% Return on Equity 14.03% Interest Income $37.55 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Trust & Savings Bank (IA) had $24.31 million in non-current loans and owned real-estate with $99.09 million in equity and loan loss allowances on hand to cover it. This gives American Trust & Savings Bank (IA) a Texas Ratio of 24.53% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Trust & Savings Bank (IA) held steady from 27.64% as of December 31, 2010 to 24.53% as of December 31, 2011, resulting in a positive change of 11.24%.This indicates that the balance sheet and financial strength for American Trust & Savings Bank (IA) has held steady in recent periods. Deposit Growth In the past year, American Trust & Savings Bank (IA) has increased its total deposits by $56.44 million, resulting in 8.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Trust & Savings Bank (IA) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Trust & Savings Bank (IA) has $860.89 million in assets with $99.09 million in equity, resulting in a capitalization level of 11.51%, which is above average.

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