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SAFE & SOUND® STAR RATINGS

AMERICAN STATE BANK

141 EAST MAIN STREET
OLDHAM,, South Dakota 57051

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$27,865$28,933$28,742
Loans Receivable, Net6,0906,3297,559
Mortgage-Backed Securities8,15013,35512,819
Investments1,3994,9594,890
Deposits24,87526,31224,644
Borrowings00750
Equity2,8962,6113,063
Net Interest Income593697710
Fee Income99105118
Overhead731801803
Net Operating Income18117163
Net Income40107188
Ratio Analysis Profitability%%%
Return on Assets *0.130.350.63
Operating Return on Assets *0.060.380.55
Return on Equity *1.403.925.95
Net Interest Margin *2.192.492.58
Fee Income / Assets *0.330.340.40
Overhead / Assets *2.422.612.71
Efficiency Ratio101.8196.5193.59
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets30.8347.3046.76
Commercial Real Estate Loans / Assets1.353.324.66
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.576.385.70
Consumer Loans / Assets0.971.151.69
Capitalization%%%
Equity / Assets10.399.0210.66
Tangible Capital / Tangible Assets10.399.0210.65
Risk-based Capital Ratio30.0622.3920.96
Liquidity%%%
Loans / Deposits24.4824.0530.67
Non-Interest Bearing Deposits / Deposits11.4112.6313.12
Purchased Liabilities0.000.002.61

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