American State Bank (IA)

American State Bank (IA) is headquartered in Osceola and is the 135^th largest bank in the state of Iowa. It is also the 4,077^th largest bank in the nation. It was established in 1987 and as of December of 2011, it had grown to 34 employees at 3 locations. American State Bank (IA) has a 4-star health rating.

Data for Q4 2011

Institution Statistics American State Bank FDIC Certificate # 26944 BankRate Report View Year Established 1987 Employees 34 Primary Regulator FED Assets and Liabilities Assets $137.47 million Loans $88.50 million Deposits $107.80 million Equity Capital $12.00 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $776,000 Real Estate Owned $562,000 Historic Data - December 2010 Assets $117.74 million Equity Capital $9.27 million Loan Loss Allowance $866,000 Unbacked Noncurrent Loans $500,000 Real Estate Owned $809,000 Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 1.63% Return on Equity 19.73% Interest Income $6.20 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American State Bank (IA) had $1.34 million in non-current loans and owned real-estate with $13.01 million in equity and loan loss allowances on hand to cover it. This gives American State Bank (IA) a Texas Ratio of 10.28% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American State Bank (IA) decreased slightly from 12.91% as of December 31, 2010 to 10.28% as of December 31, 2011, resulting in a positive change of 20.36%.This indicates that the balance sheet and financial strength for American State Bank (IA) has improved slightly in recent periods. Deposit Growth In the past year, American State Bank (IA) has increased its total deposits by $15.05 million, resulting in 16.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American State Bank (IA) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American State Bank (IA) has $137.47 million in assets with $13.01 million in equity, resulting in a capitalization level of 9.46%, which is average.

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