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SAFE & SOUND® STAR RATINGS

AUDUBON STATE BANK

315 BROADWAY
AUDUBON, Iowa 50025

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$112,718$101,936$98,283
Loans Receivable, Net82,90275,79271,229
Mortgage-Backed Securities000
Investments14,0519,01712,402
Deposits96,95490,86287,179
Borrowings6,2042,0252,162
Equity9,3228,8148,674
Net Interest Income3,5083,5183,378
Fee Income1,3571,3581,386
Overhead3,0723,0213,025
Net Operating Income1,8381,8961,673
Net Income1,7471,8021,591
Ratio Analysis Profitability%%%
Return on Assets *1.661.831.67
Operating Return on Assets *1.751.921.76
Return on Equity *19.2020.5419.12
Net Interest Margin *3.623.873.86
Fee Income / Assets *1.291.381.45
Overhead / Assets *2.933.073.18
Efficiency Ratio62.5961.4463.11
Asset Quality%%%
Nonperforming Assets / Assets0.010.020.00
Nonperforming Assets / Equity & Loss Reserves0.140.170.00
Loss Reserves / Nonperforming Loans8760.007723.53n/a
1-4 Fam Mtg + MBS / Assets8.737.686.49
Commercial Real Estate Loans / Assets11.3712.2813.07
Construction Loans / Assets5.333.292.45
Commercial & Industrial Loans / Assets7.029.438.85
Consumer Loans / Assets3.393.553.44
Capitalization%%%
Equity / Assets8.278.658.83
Tangible Capital / Tangible Assets7.768.018.11
Risk-based Capital Ratio11.4811.7011.68
Liquidity%%%
Loans / Deposits85.5183.4181.70
Non-Interest Bearing Deposits / Deposits19.8416.4412.10
Purchased Liabilities10.276.375.56

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