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 September 30, 2015
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$28,785$27,865$28,933
Loans Receivable, Net8,6856,0906,329
Mortgage-Backed Securities8,3768,15013,355
Investments1,3081,3994,959
Deposits24,97624,87526,312
Borrowings000
Equity3,4072,8962,611
Net Interest Income472593697
Fee Income5199105
Overhead669731801
Net Operating Income-22918117
Net Income-34940107
Ratio Analysis Profitability%%%
Return on Assets *-1.180.130.35
Operating Return on Assets *-0.860.060.38
Return on Equity *-10.831.403.92
Net Interest Margin *2.102.192.49
Fee Income / Assets *0.240.330.34
Overhead / Assets *2.802.422.61
Efficiency Ratio95.57101.8196.51
Asset Quality%%%
Nonperforming Assets / Assets0.060.000.00
Nonperforming Assets / Equity & Loss Reserves0.450.000.00
Loss Reserves / Nonperforming Loans2335.29n/an/a
1-4 Fam Mtg + MBS / Assets29.3630.8347.30
Commercial Real Estate Loans / Assets6.991.353.32
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets10.035.576.38
Consumer Loans / Assets4.140.971.15
Capitalization%%%
Equity / Assets11.8410.399.02
Tangible Capital / Tangible Assets11.8410.399.02
Risk-based Capital Ratio17.8930.0622.39
Liquidity%%%
Loans / Deposits34.7724.4824.05
Non-Interest Bearing Deposits / Deposits11.9711.4112.63
Purchased Liabilities0.000.000.00

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

Connect with us