Safe & Sound » Bank Ratings » AMERICAN STATE BANK


SAFE & SOUND® STAR RATINGS

AMERICAN STATE BANK

141 EAST MAIN STREET
OLDHAM,, South Dakota 57051

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$32,649$27,865$28,933
Loans Receivable, Net4,4936,0906,329
Mortgage-Backed Securities7,8288,15013,355
Investments1,4031,3994,959
Deposits28,88624,87526,312
Borrowings000
Equity3,6092,8962,611
Net Interest Income119593697
Fee Income2499105
Overhead195731801
Net Operating Income-4918117
Net Income-16940107
Ratio Analysis Profitability%%%
Return on Assets *-0.580.130.35
Operating Return on Assets *-0.250.060.38
Return on Equity *-5.661.403.92
Net Interest Margin *1.902.192.49
Fee Income / Assets *0.300.330.34
Overhead / Assets *2.492.422.61
Efficiency Ratio133.56101.8196.51
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 / Assets25.2830.8347.30
Commercial Real Estate Loans / Assets1.151.353.32
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.205.576.38
Consumer Loans / Assets0.890.971.15
Capitalization%%%
Equity / Assets11.0510.399.02
Tangible Capital / Tangible Assets11.0510.399.02
Risk-based Capital Ratio78.7730.0622.39
Liquidity%%%
Loans / Deposits15.5524.4824.05
Non-Interest Bearing Deposits / Deposits17.7511.4112.63
Purchased Liabilities0.000.000.00

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

Connect with us