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SAFE & SOUND® STAR RATINGS

AUBURN BANKING COMPANY

218 WEST MAIN STREET
AUBURN, Kentucky 42206

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$74,362$72,937$72,292
Loans Receivable, Net49,54047,30943,121
Mortgage-Backed Securities6771243
Investments17,74517,46619,143
Deposits60,96559,77560,169
Borrowings6,6216,6226,626
Equity6,2785,9954,801
Net Interest Income7792,9432,830
Fee Income47206219
Overhead5111,9701,952
Net Operating Income3681,3371,171
Net Income3681,3371,171
Ratio Analysis Profitability%%%
Return on Assets *1.891.801.65
Operating Return on Assets *1.891.801.65
Return on Equity *24.0524.1523.75
Net Interest Margin *4.314.184.21
Fee Income / Assets *0.270.280.31
Overhead / Assets *2.702.652.75
Efficiency Ratio58.1358.9560.19
Asset Quality%%%
Nonperforming Assets / Assets0.500.620.60
Nonperforming Assets / Equity & Loss Reserves5.436.918.06
Loss Reserves / Nonperforming Loans291.62165.33182.30
1-4 Fam Mtg + MBS / Assets27.9128.2725.10
Commercial Real Estate Loans / Assets8.849.3010.54
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.077.466.79
Consumer Loans / Assets5.515.165.10
Capitalization%%%
Equity / Assets8.448.226.64
Tangible Capital / Tangible Assets8.448.226.64
Risk-based Capital Ratio13.5616.1215.55
Liquidity%%%
Loans / Deposits81.2679.1571.67
Non-Interest Bearing Deposits / Deposits30.1229.2523.18
Purchased Liabilities11.3911.9112.53

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