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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 September 30, 2015
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$108,076$112,718$101,936
Loans Receivable, Net82,59482,90275,792
Mortgage-Backed Securities000
Investments11,57514,0519,017
Deposits93,61996,95490,862
Borrowings4,2056,2042,025
Equity10,0039,3228,814
Net Interest Income2,8033,5083,518
Fee Income1,0611,3571,358
Overhead2,3203,0723,021
Net Operating Income1,5811,8381,896
Net Income1,5051,7471,802
Ratio Analysis Profitability%%%
Return on Assets *1.841.661.83
Operating Return on Assets *1.941.751.92
Return on Equity *20.4619.2020.54
Net Interest Margin *3.703.623.87
Fee Income / Assets *1.351.291.38
Overhead / Assets *2.942.933.07
Efficiency Ratio59.4962.5961.44
Asset Quality%%%
Nonperforming Assets / Assets0.000.010.02
Nonperforming Assets / Equity & Loss Reserves0.040.140.17
Loss Reserves / Nonperforming Loans26460.008760.007723.53
1-4 Fam Mtg + MBS / Assets9.478.737.68
Commercial Real Estate Loans / Assets12.1611.3712.28
Construction Loans / Assets6.185.333.29
Commercial & Industrial Loans / Assets7.267.029.43
Consumer Loans / Assets3.903.393.55
Capitalization%%%
Equity / Assets9.268.278.65
Tangible Capital / Tangible Assets8.787.768.01
Risk-based Capital Ratio12.6011.4811.70
Liquidity%%%
Loans / Deposits88.2285.5183.41
Non-Interest Bearing Deposits / Deposits14.9619.8416.44
Purchased Liabilities9.1610.276.37

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