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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 September 30, 2014
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$102,181$101,936$98,283
Loans Receivable, Net73,63575,79271,229
Mortgage-Backed Securities000
Investments16,3859,01712,402
Deposits90,80690,86287,179
Borrowings1,9652,0252,162
Equity9,1488,8148,674
Net Interest Income2,5703,5183,378
Fee Income9731,3581,386
Overhead2,2393,0213,025
Net Operating Income1,3431,8961,673
Net Income1,2751,8021,591
Ratio Analysis Profitability%%%
Return on Assets *1.731.831.67
Operating Return on Assets *1.821.921.76
Return on Equity *19.5420.5419.12
Net Interest Margin *3.673.873.86
Fee Income / Assets *1.351.381.45
Overhead / Assets *2.973.073.18
Efficiency Ratio62.5461.4463.11
Asset Quality%%%
Nonperforming Assets / Assets0.100.020.00
Nonperforming Assets / Equity & Loss Reserves0.950.170.00
Loss Reserves / Nonperforming Loans1327.277723.53n/a
1-4 Fam Mtg + MBS / Assets9.107.686.49
Commercial Real Estate Loans / Assets11.5012.2813.07
Construction Loans / Assets6.243.292.45
Commercial & Industrial Loans / Assets7.699.438.85
Consumer Loans / Assets3.633.553.44
Capitalization%%%
Equity / Assets8.958.658.83
Tangible Capital / Tangible Assets8.388.018.11
Risk-based Capital Ratio12.4611.7011.68
Liquidity%%%
Loans / Deposits81.0983.4181.70
Non-Interest Bearing Deposits / Deposits16.2916.4412.10
Purchased Liabilities7.166.375.56

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