Audubon Savings Bank

Audubon Savings Bank is headquartered in Audubon and is the 79^th largest bank in the state of New Jersey. It is also the 3,053^rd largest bank in the nation. It was established in 1904 and as of December of 2011, it had grown to 29 employees at 3 locations. Audubon Savings Bank has a 3-star health rating.

Audubon Savings Bank Routing Number: 231270256

Audubon Savings Bank Checking Account Rates

Audubon Savings Bank Savings Account Rates

Audubon Savings Bank CD Rates

Data for Q4 2011

Institution Statistics Audubon Savings Bank FDIC Certificate # 28191 BankRate Report View Year Established 1904 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $203.49 million Loans $121.44 million Deposits $125.48 million Equity Capital $12.59 million Loan Loss Allowance $685,000 Unbacked Noncurrent Loans $1.59 million Real Estate Owned $1.44 million Historic Data - December 2010 Assets $214.33 million Equity Capital $12.27 million Loan Loss Allowance $650,000 Unbacked Noncurrent Loans $2.55 million Real Estate Owned $1.26 million Profit Margin - Quarterly Net Interest Margin 3.07% Return on Assets 0.07% Return on Equity 1.2% Interest Income $9.59 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Audubon Savings Bank had $3.03 million in non-current loans and owned real-estate with $13.27 million in equity and loan loss allowances on hand to cover it. This gives Audubon Savings Bank a Texas Ratio of 22.85% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Audubon Savings Bank decreased slightly from 29.49% as of December 31, 2010 to 22.85% as of December 31, 2011, resulting in a positive change of 22.53%.This indicates that the balance sheet and financial strength for Audubon Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Audubon Savings Bank has decreased its total deposits by -$11.7 million, resulting in -8.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Audubon Savings Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Audubon Savings Bank has $203.49 million in assets with $13.27 million in equity, resulting in a capitalization level of 6.52%, which is below average.

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