SAFE & SOUND® STAR RATINGS

Financial statement

AUDUBON STATE BANK
315 BROADWAY
AUDUBON, Iowa 50025

STAR RATING: 5 starstarstarstarstar
Predictive Indicator - (decline)
As of June 30, 2014
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$101,011$101,936$98,283
Loans Receivable, Net67,42375,79271,229
Mortgage-Backed Securities000
Investments16,4199,01712,402
Deposits89,75790,86287,179
Borrowings2,0182,0252,162
Equity9,0188,8148,674
Net Interest Income1,6823,5183,378
Fee Income6471,3581,386
Overhead1,4923,0213,025
Net Operating Income8621,8961,673
Net Income8181,8021,591
Ratio Analysis Profitability%%%
Return on Assets *1.711.831.67
Operating Return on Assets *1.801.921.76
Return on Equity *19.5820.5419.12
Net Interest Margin *3.663.873.86
Fee Income / Assets *1.331.381.45
Overhead / Assets *2.963.073.18
Efficiency Ratio63.4461.4463.11
Asset Quality%%%
Nonperforming Assets / Assets0.000.020.00
Nonperforming Assets / Equity & Loss Reserves0.000.170.00
Loss Reserves / Nonperforming Loansn/a7723.53n/a
1-4 Fam Mtg + MBS / Assets8.127.686.49
Commercial Real Estate Loans / Assets10.6712.2813.07
Construction Loans / Assets4.933.292.45
Commercial & Industrial Loans / Assets6.979.438.85
Consumer Loans / Assets3.693.553.44
Capitalization%%%
Equity / Assets8.938.658.83
Tangible Capital / Tangible Assets8.338.018.11
Risk-based Capital Ratio12.9411.7011.68
Liquidity%%%
Loans / Deposits75.1283.4181.70
Non-Interest Bearing Deposits / Deposits14.1916.4412.10
Purchased Liabilities7.316.375.56

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