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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 March 31, 2016
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$29,316$28,606$27,865
Loans Receivable, Net8,2979,2456,090
Mortgage-Backed Securities7,5557,8698,150
Investments1,2021,2001,399
Deposits25,55024,79024,875
Borrowings000
Equity3,3983,3882,896
Net Interest Income306774593
Fee Income52999
Overhead288907731
Net Operating Income-37-30318
Net Income-37-31740
Ratio Analysis Profitability%%%
Return on Assets *-0.61-1.030.13
Operating Return on Assets *-0.96-0.980.06
Return on Equity *-5.42-9.141.40
Net Interest Margin *3.462.682.19
Fee Income / Assets *0.030.090.33
Overhead / Assets *3.312.942.42
Efficiency Ratio67.6185.24101.81
Asset Quality%%%
Nonperforming Assets / Assets0.150.140.00
Nonperforming Assets / Equity & Loss Reserves1.101.020.00
Loss Reserves / Nonperforming Loans1397.731360.00n/a
1-4 Fam Mtg + MBS / Assets26.0227.7630.83
Commercial Real Estate Loans / Assets12.328.551.35
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.5010.225.57
Consumer Loans / Assets6.755.880.97
Capitalization%%%
Equity / Assets11.5911.8410.39
Tangible Capital / Tangible Assets11.5911.8410.39
Risk-based Capital Ratio26.4625.6430.06
Liquidity%%%
Loans / Deposits32.4737.2924.48
Non-Interest Bearing Deposits / Deposits11.8714.0411.41
Purchased Liabilities0.000.000.00

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