Audubon State Bank in city_name, state_name - Detailed Financial Reports, Location

Audubon State Bank in Audubon, Iowa (IA)
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Audubon State Bank routing number info

Audubon State Bank - Overview

General
FDIC Certificate #: 5814
Status: Active
Federal Reserve ID: 760649
Bank Holding Company (Regulatory Top Holder): Greene Investment Co. (RSSDID: 1205905, Location: Jefferson, IA)
Date Established: January 01, 1876
WWW: http://www.audubonstatebank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 3973
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 315 Broadway, Audubon, IA 50025
County: Audubon
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Des Moines
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $90.0 mil
Equity capital: $8.0 mil
Deposits held in domestic offices: $77.0 mil
Return on assets (ROA): 1.51% ($1.4 mil)
Quarterly return on assets: 1.05% ($0.9 mil)
Return on Equity (ROE): 17.19% ($1.4 mil)
Quarterly return on equity: 11.63% ($0.9 mil)
Net income: $1.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.58% ($1,421.8 mil)
Quarterly Pretax return on assets: 1.10% ($989.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
27Total employees (full-time equivalent)
$89,988Total assets
$7,458Cash and due from depository institutions
$2,884Interest-bearing balances
$14,537Securities
$0Federal funds sold & reverse repurchase agreements
$65,191Net loans & leases
$1,042Loan loss allowance
$0Trading account assets
$296Bank premises and fixed assets
$47Other real estate owned
$853Goodwill and other intangibles
$89,988Life insurance assets
$1,606All other assets
$82,019Total liabilities and capital
$77,042Total liabilities
$66,415Total deposits
$77,042Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,703Trading liabilities
$0Other borrowed funds
$274Subordinated debt
$7,969All other liabilities
$7,969Total equity capital
$7,969Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$1,900Surplus
$5,469Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$518Income earned, not collected on loans
$171Earning assets
$1,079Long-term assets (5+ years)
$82,612Average Assets, year-to-date
$14,345Average Assets, quarterly
$88,244Volatile liabilities
$88,591Insider loans
$68,540FHLB advances
$89,600Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,813Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,301Restructured Loans and leases
$3,685Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,677Total interest income
$583Total interest expense
$3,094Net interest income
$280Provision for loan and lease losses
$1,411Total noninterest income
$0Fiduciary activities
$186Service charges on deposit accounts
$0Trading account gains & fees
$1,225Additional noninterest income
$2,830Total noninterest expense
$1,721Salaries and employee benefits
$259Premises and equipment expense
$850Additional noninterest expense
$1,395Pre-tax net operating income
$0Securities gains (losses)
$63Applicable income taxes
$1,332Income before extraordinary items
$0Extraordinary gains - net
$1,332Net income attributable to bank
$0Net charge-offs
$1,332Cash dividends
$397Sale, conversion, retirement of capital stock, net
$1,023Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.51%Yield on earning assets
0.71%Cost of funding earning assets
3.79%Net interest margin
1.73%Noninterest income to earning assets
3.47%Noninterest expense to earning assets
1.51%Net operating income to assets
1.51%Return on assets (ROA)
1.58%Pretax return on assets
17.19%Return on equity (ROE)
3.99%Retained earnings to average equity (YTD only)
0.66%Net charge-offs to loans
70.53%Credit loss provision to net charge-offs
4.22%Efficiency ratio
60,400Assets per employee
3.33%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.80%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
201.16%Noncurrent assets plus other real estate owned to assets
0.63%Noncurrent loans to loans
0.78%Net loans and leases to deposits
84.62%Net loans and leases to core deposits
91.12%Equity capital to assets
8.86%Core capital (leverage) ratio
7.60%Tier 1 risk-based capital ratio
9.94%Total risk-based capital ratio
Memoranda
$11Average assets
$88,244Average earning assets
$7,751Average equity
$81,581Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$121Managed Assets
1Number of Accounts
$121Personal trust and agency accounts
$121Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
14Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3973	Audubon State Bank	315 Broadway, Audubon, IA 50025	January 01, 1876	Full Service Brick and Mortar
2	208204	Detached Tellers' Facility	502 Market Street, Audubon, IA 50025	March 12, 1979	Limited Service Facility

Audubon State Bank in Audubon, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Audubon State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Audubon State Bank in Audubon, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

Audubon State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Audubon State Bank in Audubon, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches