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 December 31, 2013
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$28,933$28,742$28,544
Loans Receivable, Net6,3297,5597,831
Mortgage-Backed Securities13,35512,81914,237
Investments4,9594,8904,242
Deposits26,31224,64423,697
Borrowings07501,500
Equity2,6113,0633,039
Net Interest Income697710829
Fee Income105118112
Overhead801803814
Net Operating Income117163270
Net Income107188195
Ratio Analysis Profitability%%%
Return on Assets *0.350.630.67
Operating Return on Assets *0.380.550.93
Return on Equity *3.925.956.57
Net Interest Margin *2.492.583.16
Fee Income / Assets *0.340.400.39
Overhead / Assets *2.612.712.83
Efficiency Ratio96.5193.5981.48
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/a1.89
1-4 Fam Mtg + MBS / Assets47.3046.7650.71
Commercial Real Estate Loans / Assets3.324.663.19
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.385.706.03
Consumer Loans / Assets1.151.691.78
Capitalization%%%
Equity / Assets9.0210.6610.65
Tangible Capital / Tangible Assets9.0210.6510.64
Risk-based Capital Ratio22.3920.9620.08
Liquidity%%%
Loans / Deposits24.0530.6733.05
Non-Interest Bearing Deposits / Deposits12.6313.129.28
Purchased Liabilities0.002.618.06

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