American State Bank of Pierre

American State Bank of Pierre is headquartered in Pierre and is the 27^th largest bank in the state of South Dakota. It is also the 3,889^th largest bank in the nation. It was established in 1977 and as of December of 2011, it had grown to 25 employees at 2 locations. American State Bank of Pierre has a 5-star health rating.

Data for Q4 2011

Institution Statistics American State Bank of Pierre FDIC Certificate # 22554 BankRate Report View Year Established 1977 Employees 25 Primary Regulator FED Assets and Liabilities Assets $148.46 million Loans $62.84 million Deposits $133.20 million Equity Capital $14.78 million Loan Loss Allowance $922,000 Unbacked Noncurrent Loans $587,000 Historic Data - December 2010 Assets $135.09 million Equity Capital $13.61 million Loan Loss Allowance $1.02 million Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.17% Return on Equity 11.72% Interest Income $5.47 million

Institution Health Overall Score: 5 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 of Pierre had $587,000 in non-current loans and owned real-estate with $15.71 million in equity and loan loss allowances on hand to cover it. This gives American State Bank of Pierre a Texas Ratio of 3.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, American State Bank of Pierre has increased its total deposits by $11.98 million, resulting in 9.89% 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 of Pierre 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 of Pierre has $148.46 million in assets with $15.71 million in equity, resulting in a capitalization level of 10.58%, which is above average.

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