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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 December 31, 2015
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$113,848$112,718$101,936
Loans Receivable, Net82,79282,90275,792
Mortgage-Backed Securities000
Investments9,99614,0519,017
Deposits99,01496,95490,862
Borrowings4,4316,2042,025
Equity10,1809,3228,814
Net Interest Income3,7553,5083,518
Fee Income1,4791,3571,358
Overhead3,1573,0723,021
Net Operating Income2,1221,8381,896
Net Income2,0221,7471,802
Ratio Analysis Profitability%%%
Return on Assets *1.871.661.83
Operating Return on Assets *1.961.751.92
Return on Equity *20.4719.2020.54
Net Interest Margin *3.703.623.87
Fee Income / Assets *1.371.291.38
Overhead / Assets *2.922.933.07
Efficiency Ratio59.8162.5961.44
Asset Quality%%%
Nonperforming Assets / Assets0.000.010.02
Nonperforming Assets / Equity & Loss Reserves0.000.140.17
Loss Reserves / Nonperforming Loansn/a8760.007723.53
1-4 Fam Mtg + MBS / Assets8.918.737.68
Commercial Real Estate Loans / Assets10.2311.3712.28
Construction Loans / Assets4.165.333.29
Commercial & Industrial Loans / Assets5.977.029.43
Consumer Loans / Assets3.333.393.55
Capitalization%%%
Equity / Assets8.948.278.65
Tangible Capital / Tangible Assets8.457.768.01
Risk-based Capital Ratio12.7211.4811.70
Liquidity%%%
Loans / Deposits83.6285.5183.41
Non-Interest Bearing Deposits / Deposits15.9819.8416.44
Purchased Liabilities8.6910.276.37

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