Follow Us: Google+
 
Bankrate.com



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, 2012
Federal Reserve System Identifier 477059




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$28,742$28,544$27,760
Loans Receivable, Net7,5597,83110,736
Mortgage-Backed Securities12,81914,23711,417
Investments4,8904,2423,439
Deposits24,64423,69723,342
Borrowings7501,5001,700
Equity3,0633,0392,631
Net Interest Income710829703
Fee Income118112135
Overhead803814813
Net Operating Income163270110
Net Income188195110
Ratio Analysis Profitability%%%
Return on Assets *0.630.670.42
Operating Return on Assets *0.550.930.42
Return on Equity *5.956.573.98
Net Interest Margin *2.583.162.95
Fee Income / Assets *0.400.390.52
Overhead / Assets *2.712.833.12
Efficiency Ratio93.5981.4892.39
Asset Quality%%%
Nonperforming Assets / Assets0.000.001.57
Nonperforming Assets / Equity & Loss Reserves0.000.0015.69
Loss Reserves / Nonperforming Loansn/a1.891.44
1-4 Fam Mtg + MBS / Assets46.7650.7142.43
Commercial Real Estate Loans / Assets4.663.199.52
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.706.036.10
Consumer Loans / Assets1.691.782.32
Capitalization%%%
Equity / Assets10.6610.659.48
Tangible Capital / Tangible Assets10.6510.649.47
Risk-based Capital Ratio20.9620.0817.34
Liquidity%%%
Loans / Deposits30.6733.0545.99
Non-Interest Bearing Deposits / Deposits13.129.288.95
Purchased Liabilities2.618.0611.18

* Calculations are based on the latest four quarters of income and expense.
Modify Search
            Connect with us
advertisement
Most Read
  1. Beach towns with bargain homes
  2. 6 tips for successful yard sale
  3. Nick Nolte's house for sale
  4. 5 costliest tickets for car insurance
  5. 7 sedans for the young at heart
  6. 5 car models that lose value
  7. Ali Landry's house for sale
  8. Headlight requirements by state
  9. 9 gas-only, fuel-efficient cars
  10. 8 eerie ghost towns
CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
Don Taylorinvesting
The good news is you're inheriting $500 million. The bad news is you need to hold onto it.
advertisement
Home Depot reported increased sales over its closest rival Lowe's in earnings reports this week.
Partner Center
advertisement

Advertising Disclosure: Bankrate.com is an independent, advertising-supported comparison service. Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.