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SAFE & SOUND® STAR RATINGS

AUDUBON STATE BANK

315 BROADWAY
AUDUBON, Iowa 50025

STAR RATING: 5 starstarstarstarstar
Predictive Indicator - (decline)
As of March 31, 2015
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$109,045$112,718$101,936
Loans Receivable, Net81,68782,90275,792
Mortgage-Backed Securities000
Investments12,59214,0519,017
Deposits94,96996,95490,862
Borrowings4,2816,2042,025
Equity9,5609,3228,814
Net Interest Income9333,5083,518
Fee Income3411,3571,358
Overhead7643,0723,021
Net Operating Income5291,8381,896
Net Income5041,7471,802
Ratio Analysis Profitability%%%
Return on Assets *1.741.661.83
Operating Return on Assets *1.841.751.92
Return on Equity *19.8919.2020.54
Net Interest Margin *3.693.623.87
Fee Income / Assets *1.321.291.38
Overhead / Assets *2.942.933.07
Efficiency Ratio59.0962.5961.44
Asset Quality%%%
Nonperforming Assets / Assets0.010.010.02
Nonperforming Assets / Equity & Loss Reserves0.140.140.17
Loss Reserves / Nonperforming Loans8940.008760.007723.53
1-4 Fam Mtg + MBS / Assets8.918.737.68
Commercial Real Estate Loans / Assets11.9311.3712.28
Construction Loans / Assets4.945.333.29
Commercial & Industrial Loans / Assets8.147.029.43
Consumer Loans / Assets3.503.393.55
Capitalization%%%
Equity / Assets8.778.278.65
Tangible Capital / Tangible Assets8.267.768.01
Risk-based Capital Ratio12.1111.4811.70
Liquidity%%%
Loans / Deposits86.0185.5183.41
Non-Interest Bearing Deposits / Deposits14.2719.8416.44
Purchased Liabilities8.8610.276.37

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