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SAFE & SOUND® STAR RATINGS

Financial statement

AUDUBON STATE BANK
315 BROADWAY
AUDUBON, Iowa 50025

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 760649




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$98,283$89,988$85,790
Loans Receivable, Net71,22965,19163,790
Mortgage-Backed Securities000
Investments12,40214,53715,934
Deposits87,17977,04274,448
Borrowings2,1624,7033,543
Equity8,6747,9697,453
Net Interest Income3,3783,0943,049
Fee Income1,3861,3731,257
Overhead3,0252,8302,815
Net Operating Income1,6731,3951,425
Net Income1,5911,3321,353
Ratio Analysis Profitability%%%
Return on Assets *1.671.471.60
Operating Return on Assets *1.761.541.69
Return on Equity *19.1217.0218.45
Net Interest Margin *3.863.773.88
Fee Income / Assets *1.451.521.49
Overhead / Assets *3.183.133.34
Efficiency Ratio63.1162.8264.71
Asset Quality%%%
Nonperforming Assets / Assets0.000.470.82
Nonperforming Assets / Equity & Loss Reserves0.004.668.16
Loss Reserves / Nonperforming Loansn/a1.601.82
1-4 Fam Mtg + MBS / Assets6.496.055.00
Commercial Real Estate Loans / Assets13.0712.0414.77
Construction Loans / Assets2.451.831.30
Commercial & Industrial Loans / Assets8.857.009.35
Consumer Loans / Assets3.443.824.53
Capitalization%%%
Equity / Assets8.838.868.69
Tangible Capital / Tangible Assets8.117.987.68
Risk-based Capital Ratio11.6811.1910.88
Liquidity%%%
Loans / Deposits81.7084.6285.68
Non-Interest Bearing Deposits / Deposits12.1013.799.77
Purchased Liabilities5.5616.4917.37

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.45%
1 yr CD
0.62% 0.67%
5 yr CD
1.23% 1.24%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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