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 June 30, 2014
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$30,137$28,933$28,742
Loans Receivable, Net6,2346,3297,559
Mortgage-Backed Securities8,91713,35512,819
Investments1,3984,9594,890
Deposits27,05526,31224,644
Borrowings00750
Equity2,9152,6113,063
Net Interest Income335697710
Fee Income48105118
Overhead358801803
Net Operating Income69117163
Net Income69107188
Ratio Analysis Profitability%%%
Return on Assets *0.570.350.63
Operating Return on Assets *0.600.380.55
Return on Equity *6.353.925.95
Net Interest Margin *2.542.492.58
Fee Income / Assets *0.360.340.40
Overhead / Assets *2.532.612.71
Efficiency Ratio90.4096.5193.59
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 / Assets31.7047.3046.76
Commercial Real Estate Loans / Assets2.093.324.66
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.066.385.70
Consumer Loans / Assets0.931.151.69
Capitalization%%%
Equity / Assets9.679.0210.66
Tangible Capital / Tangible Assets9.679.0210.65
Risk-based Capital Ratio28.6722.3920.96
Liquidity%%%
Loans / Deposits23.0424.0530.67
Non-Interest Bearing Deposits / Deposits9.3812.6313.12
Purchased Liabilities0.000.002.61

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