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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, 2015
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$28,606$27,865$28,933
Loans Receivable, Net9,2456,0906,329
Mortgage-Backed Securities7,8698,15013,355
Investments1,2001,3994,959
Deposits24,79024,87526,312
Borrowings000
Equity3,3882,8962,611
Net Interest Income774593697
Fee Income2999105
Overhead907731801
Net Operating Income-30318117
Net Income-31740107
Ratio Analysis Profitability%%%
Return on Assets *-1.030.130.35
Operating Return on Assets *-0.980.060.38
Return on Equity *-9.141.403.92
Net Interest Margin *2.682.192.49
Fee Income / Assets *0.090.330.34
Overhead / Assets *2.942.422.61
Efficiency Ratio85.24101.8196.51
Asset Quality%%%
Nonperforming Assets / Assets0.140.000.00
Nonperforming Assets / Equity & Loss Reserves1.020.000.00
Loss Reserves / Nonperforming Loans1360.00n/an/a
1-4 Fam Mtg + MBS / Assets27.7630.8347.30
Commercial Real Estate Loans / Assets8.551.353.32
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets10.225.576.38
Consumer Loans / Assets5.880.971.15
Capitalization%%%
Equity / Assets11.8410.399.02
Tangible Capital / Tangible Assets11.8410.399.02
Risk-based Capital Ratio25.6430.0622.39
Liquidity%%%
Loans / Deposits37.2924.4824.05
Non-Interest Bearing Deposits / Deposits14.0411.4112.63
Purchased Liabilities0.000.000.00

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