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This institution is no longer active

Operations ceased on June 1, 2010. CRA examination history below reflects the period it was active.

AMERICAN TRUST & SAVINGS BANK OF WHITING, INDIANA

WHITING, IN · Supervised by FDIC

Est. 1920FDIC #13,099RSSD: FDIC-13099
Part ofAM TRU INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.63%

Institution Profile

FDIC BankFind

Address

1321 - 119th Street, WHITING, IN

County

Lake County

Established

August 19, 1920

Total Assets

$119M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 2, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2010Call Report / FDIC

Total Assets

$119M

Total Deposits

$99M

Net Loans

$67M

Net Income

$-187K

ROA

-0.63%

ROE

-7.76%

Risk-Based Capital

13.80%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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