SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN STATE BANK
141 EAST MAIN STREET
OLDHAM,, South Dakota 57051

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




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$31,753$28,933$28,742
Loans Receivable, Net5,8226,3297,559
Mortgage-Backed Securities13,04913,35512,819
Investments5,0034,9594,890
Deposits28,91026,31224,644
Borrowings00750
Equity2,7732,6113,063
Net Interest Income185697710
Fee Income32105118
Overhead179801803
Net Operating Income45117163
Net Income45107188
Ratio Analysis Profitability%%%
Return on Assets *0.500.350.63
Operating Return on Assets *0.530.380.55
Return on Equity *5.743.925.95
Net Interest Margin *2.592.492.58
Fee Income / Assets *0.360.340.40
Overhead / Assets *2.562.612.71
Efficiency Ratio79.9196.5193.59
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 / Assets42.0647.3046.76
Commercial Real Estate Loans / Assets1.853.324.66
Construction Loans / Assets0.810.000.00
Commercial & Industrial Loans / Assets4.876.385.70
Consumer Loans / Assets1.121.151.69
Capitalization%%%
Equity / Assets8.739.0210.66
Tangible Capital / Tangible Assets8.739.0210.65
Risk-based Capital Ratio22.6122.3920.96
Liquidity%%%
Loans / Deposits20.1424.0530.67
Non-Interest Bearing Deposits / Deposits9.9912.6313.12
Purchased Liabilities0.000.002.61

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