SAFE & SOUND® STAR RATINGS

Financial statement

AUDUBON STATE BANK
315 BROADWAY
AUDUBON, Iowa 50025

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$105,598$101,936$98,283
Loans Receivable, Net67,65275,79271,229
Mortgage-Backed Securities000
Investments11,9669,01712,402
Deposits94,48790,86287,179
Borrowings2,0182,0252,162
Equity8,9058,8148,674
Net Interest Income8313,5183,378
Fee Income2991,3581,386
Overhead7253,0213,025
Net Operating Income4231,8961,673
Net Income4091,8021,591
Ratio Analysis Profitability%%%
Return on Assets *1.771.831.67
Operating Return on Assets *1.851.921.76
Return on Equity *20.2320.5419.12
Net Interest Margin *3.763.873.86
Fee Income / Assets *1.341.381.45
Overhead / Assets *3.023.073.18
Efficiency Ratio63.1561.4463.11
Asset Quality%%%
Nonperforming Assets / Assets0.000.020.00
Nonperforming Assets / Equity & Loss Reserves0.000.170.00
Loss Reserves / Nonperforming Loansn/a7723.53n/a
1-4 Fam Mtg + MBS / Assets7.147.686.49
Commercial Real Estate Loans / Assets10.1512.2813.07
Construction Loans / Assets4.133.292.45
Commercial & Industrial Loans / Assets7.779.438.85
Consumer Loans / Assets3.603.553.44
Capitalization%%%
Equity / Assets8.438.658.83
Tangible Capital / Tangible Assets7.848.018.11
Risk-based Capital Ratio12.4611.7011.68
Liquidity%%%
Loans / Deposits71.6083.4181.70
Non-Interest Bearing Deposits / Deposits13.2916.4412.10
Purchased Liabilities6.626.375.56

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