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American Trust & Savings Bank

Dubuque, IA · Cert 13150

FDIC · 12 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Trust & Savings Bank

Dubuque, IA · Cert 13150

FDIC · 12 branches

Q1 2019

$1.2BAssets
$1.0BLoans
$989.3MDeposits
$134.5MEquity
Loan mix
69%RE $490.0M26%C&I $185.6M4%Consumer $30.4MQ1 2018Q1 2019
Deposit mix
80%Interest-bearing $793.8M20%Noninterest $195.6MQ1 2018Q1 2019

NIM

3.36%Q1 ’173.56%Q1 ’183.71%Q1 ’19+1%-6%

Non-interest income vs. expense

4.15%Q1 ’173.90%Q1 ’183.53%Q1 ’19-9%-9%

Market Position · Dubuque, IA · 2018 SOD (annual) · 32.4% share · #2 of 8 inst. · $0.9B of $2.9B

32.4% Dubuque
3.1% Dallas
0.1% Polk

Executive Summary

  • Earnings: ROA of 0.89%, down 2 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.70% of loans (+31 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.99%, up 24 bps from a year ago.
  • Funding: loans stand at 101.62% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.89%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-17 bps YoY

Efficiency Ratio (YTD, annualized)

74.33%-165 bps YoY

Tier 1 Leverage Ratio

10.99%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.91%0.94%0.96%0.99%0.89%-2 bps
Return on Equity8.60%8.91%9.13%9.37%8.34%-25 bps
Net Interest Margin2.93%2.84%2.79%2.80%2.77%-17 bps
Efficiency Ratio75.98%75.18%74.62%73.65%74.33%-165 bps
Non-Interest Burden1.71%1.61%1.55%1.51%1.55%-15 bps
Growth
Asset Growth (YoY)6.69%6.31%5.35%7.93%6.41%-28 bps
Loan Growth (YoY)9.88%5.38%5.01%4.39%3.41%-646 bps
Deposit Growth (YoY)7.00%11.10%3.76%10.24%5.93%-108 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.40%0.41%0.31%0.70%+31 bps
Net Charge-Offs / Loans0.06%0.03%0.02%0.05%-0.01%-7 bps
Allowance / Loans1.07%1.09%1.11%1.08%1.11%+4 bps
Allowance Coverage of NPLs2.8x2.7x2.7x3.5x1.6x-1.2x
Capital
Tier 1 Leverage Ratio10.75%10.56%10.49%10.71%10.99%+24 bps
Total Risk-Based Capital12.01%12.23%12.40%12.52%12.63%+62 bps
Equity / Assets10.58%10.39%10.61%10.49%10.89%+32 bps
Liquidity & Funding
Loans / Deposits104.09%100.14%101.30%96.58%101.62%-247 bps
Liquid Assets / Assets2.41%4.32%3.78%6.13%6.07%+365 bps
CRE / Total Capitaln/an/an/an/an/an/an/a