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SAFE & SOUND® STAR RATINGS

AUDUBON STATE BANK

315 BROADWAY
AUDUBON, Iowa 50025

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$112,856$113,848$112,718
Loans Receivable, Net82,45782,79282,902
Mortgage-Backed Securities000
Investments9,5299,99614,051
Deposits98,00799,01496,954
Borrowings4,2264,4316,204
Equity10,41410,1809,322
Net Interest Income9353,7553,508
Fee Income3731,4791,357
Overhead8173,1573,072
Net Operating Income4792,1221,838
Net Income4562,0221,747
Ratio Analysis Profitability%%%
Return on Assets *1.821.871.66
Operating Return on Assets *1.911.961.75
Return on Equity *19.5620.4719.20
Net Interest Margin *3.663.703.62
Fee Income / Assets *1.391.371.29
Overhead / Assets *2.962.922.93
Efficiency Ratio61.6159.8162.59
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.01
Nonperforming Assets / Equity & Loss Reserves0.000.000.14
Loss Reserves / Nonperforming Loansn/an/a8760.00
1-4 Fam Mtg + MBS / Assets9.458.918.73
Commercial Real Estate Loans / Assets10.4610.2311.37
Construction Loans / Assets3.804.165.33
Commercial & Industrial Loans / Assets6.635.977.02
Consumer Loans / Assets3.313.333.39
Capitalization%%%
Equity / Assets9.238.948.27
Tangible Capital / Tangible Assets8.758.457.76
Risk-based Capital Ratio13.0912.7211.48
Liquidity%%%
Loans / Deposits84.1383.6285.51
Non-Interest Bearing Deposits / Deposits14.2815.9819.84
Purchased Liabilities8.638.6910.27

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