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 September 30, 2014
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$28,245$28,933$28,742
Loans Receivable, Net5,7436,3297,559
Mortgage-Backed Securities8,47713,35512,819
Investments1,3994,9594,890
Deposits25,17526,31224,644
Borrowings00750
Equity2,8792,6113,063
Net Interest Income466697710
Fee Income78105118
Overhead542801803
Net Operating Income53117163
Net Income53107188
Ratio Analysis Profitability%%%
Return on Assets *0.420.350.63
Operating Return on Assets *0.450.380.55
Return on Equity *4.453.925.95
Net Interest Margin *2.412.492.58
Fee Income / Assets *0.360.340.40
Overhead / Assets *2.552.612.71
Efficiency Ratio96.1096.5193.59
Asset Quality%%%
Nonperforming Assets / Assets0.110.000.00
Nonperforming Assets / Equity & Loss Reserves1.020.000.00
Loss Reserves / Nonperforming Loans477.42n/an/a
1-4 Fam Mtg + MBS / Assets32.2147.3046.76
Commercial Real Estate Loans / Assets2.283.324.66
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.396.385.70
Consumer Loans / Assets0.961.151.69
Capitalization%%%
Equity / Assets10.199.0210.66
Tangible Capital / Tangible Assets10.199.0210.65
Risk-based Capital Ratio30.7322.3920.96
Liquidity%%%
Loans / Deposits22.8124.0530.67
Non-Interest Bearing Deposits / Deposits8.6012.6313.12
Purchased Liabilities0.000.002.61

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

Connect with us