American State Bank in Oldham, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

American State Bank - Overview

  • General
  • FDIC Certificate #: 15432
    Status: Active
    Federal Reserve ID: 477059
    Bank Holding Company (Regulatory Top Holder): Consolidated Holding Company (RSSDID: 1127052, Location: Oldham, SD)
    Date Established: November 02, 1936
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15921
    FDIC's unique #: 9746
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: November 02, 1936
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 Main St, Oldham, SD 57051
    County: Kingsbury
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux Falls
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $28.5 mil
    Equity capital: $3.0 mil
    Deposits held in domestic offices: $23.7 mil
    Return on assets (ROA): 0.68% ($0.2 mil)
    Quarterly return on assets: 0.42% ($0.1 mil)
    Return on Equity (ROE): 6.72% ($0.2 mil)
    Quarterly return on equity: 3.86% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.95% ($271.2 mil)
    Quarterly Pretax return on assets: 1.48% ($422.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $28,544Total assets
  • $1,019Cash and due from depository institutions
  • $99Interest-bearing balances
  • $18,479Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $7,831Net loans & leases
  • $148Loan loss allowance
  • $0Trading account assets
  • $49Bank premises and fixed assets
  • $0Other real estate owned
  • $1Goodwill and other intangibles
  • $28,544Life insurance assets
  • $1,165All other assets
  • $25,505Total liabilities and capital
  • $23,697Total liabilities
  • $21,499Total deposits
  • $23,697Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 1000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $308Subordinated debt
  • $3,039All other liabilities
  • $3,039Total equity capital
  • $3,039Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $800Surplus
  • $2,139Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $220Long-term assets (5+ years)
  • $26,409Average Assets, year-to-date
  • $19,397Average Assets, quarterly
  • $28,522Volatile liabilities
  • $28,302Insider loans
  • $13,856FHLB advances
  • $28,531Loans and leases held for sale
  • $742Unused loan commitments
  • $742Tier 1 (core) risk-based capital
  • $2,634Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,889Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,068Total interest income
  • $239Total interest expense
  • $829Net interest income
  • -$85Provision for loan and lease losses
  • $170Total noninterest income
  • $0Fiduciary activities
  • $44Service charges on deposit accounts
  • $0Trading account gains & fees
  • $126Additional noninterest income
  • $814Total noninterest expense
  • $538Salaries and employee benefits
  • $44Premises and equipment expense
  • $232Additional noninterest expense
  • $270Pre-tax net operating income
  • $0Securities gains (losses)
  • $75Applicable income taxes
  • $195Income before extraordinary items
  • $0Extraordinary gains - net
  • $195Net income attributable to bank
  • $0Net charge-offs
  • $195Cash dividends
  • -$78Sale, conversion, retirement of capital stock, net
  • $127Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.09%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.18%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 6.72%Return on equity (ROE)
  • 2.34%Retained earnings to average equity (YTD only)
  • -0.91%Net charge-offs to loans
  • 108.97%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 81,481Assets per employee
  • 4.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.13%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 33.05%Net loans and leases to core deposits
  • 33.05%Equity capital to assets
  • 10.65%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 19.01%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $28,522Average earning assets
  • $2,900Average equity
  • $26,108Average loans

List of branches

  • 2 South Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09746American State Bank101 Main St, Oldham, SD 57051November 02, 1936Full Service Brick and Mortar
    1233950Ramona BranchMain Street, Ramona, SD 57054November 02, 1936Full Service Brick and Mortar

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