SAFE & SOUND® STAR RATINGS

Financial statement

AUDUBON STATE BANK
315 BROADWAY
AUDUBON, Iowa 50025

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$101,936$98,283$89,988
Loans Receivable, Net75,79271,22965,191
Mortgage-Backed Securities000
Investments9,01712,40214,537
Deposits90,86287,17977,042
Borrowings2,0252,1624,703
Equity8,8148,6747,969
Net Interest Income3,5183,3783,094
Fee Income1,3581,3861,373
Overhead3,0213,0252,830
Net Operating Income1,8961,6731,395
Net Income1,8021,5911,332
Ratio Analysis Profitability%%%
Return on Assets *1.831.671.47
Operating Return on Assets *1.921.761.54
Return on Equity *20.5419.1217.02
Net Interest Margin *3.873.863.77
Fee Income / Assets *1.381.451.52
Overhead / Assets *3.073.183.13
Efficiency Ratio61.4463.1162.82
Asset Quality%%%
Nonperforming Assets / Assets0.020.000.47
Nonperforming Assets / Equity & Loss Reserves0.170.004.66
Loss Reserves / Nonperforming Loans7723.53n/a1.60
1-4 Fam Mtg + MBS / Assets7.686.496.05
Commercial Real Estate Loans / Assets12.2813.0712.04
Construction Loans / Assets3.292.451.83
Commercial & Industrial Loans / Assets9.438.857.00
Consumer Loans / Assets3.553.443.82
Capitalization%%%
Equity / Assets8.658.838.86
Tangible Capital / Tangible Assets8.018.117.98
Risk-based Capital Ratio11.7011.6811.19
Liquidity%%%
Loans / Deposits83.4181.7084.62
Non-Interest Bearing Deposits / Deposits16.4412.1013.79
Purchased Liabilities6.375.5616.49

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

Connect with us