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SAFE & SOUND® STAR RATINGS

Financial statement

AUBURN BANKING COMPANY
218 WEST MAIN STREET
AUBURN, Kentucky 42206

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$68,274$64,475$64,528
Loans Receivable, Net46,12844,86946,625
Mortgage-Backed Securities260463494
Investments13,35512,21112,507
Deposits55,44851,84452,130
Borrowings6,6406,6586,675
Equity5,5645,3455,159
Net Interest Income2,8252,8722,691
Fee Income235242312
Overhead1,8451,8351,832
Net Operating Income1,2931,3511,264
Net Income1,2931,3511,264
Ratio Analysis Profitability%%%
Return on Assets *1.932.071.93
Operating Return on Assets *1.932.071.93
Return on Equity *24.2425.7724.55
Net Interest Margin *4.464.704.40
Fee Income / Assets *0.350.370.48
Overhead / Assets *2.752.812.81
Efficiency Ratio56.755.8457.63
Asset Quality%%%
Nonperforming Assets / Assets0.900.951.06
Nonperforming Assets / Equity & Loss Reserves10.0810.5012.15
Loss Reserves / Nonperforming Loans132.821.101.02
1-4 Fam Mtg + MBS / Assets26.5328.5728.49
Commercial Real Estate Loans / Assets13.8112.8014.05
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets8.396.576.54
Consumer Loans / Assets6.528.849.23
Capitalization%%%
Equity / Assets8.158.298.00
Tangible Capital / Tangible Assets8.158.298.00
Risk-based Capital Ratio15.0414.8314.04
Liquidity%%%
Loans / Deposits83.1986.5589.44
Non-Interest Bearing Deposits / Deposits22.2221.1419.63
Purchased Liabilities13.0022.7924.25

* 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
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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