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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 December 31, 2015
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$73,343$72,937$72,292
Loans Receivable, Net51,80547,30943,121
Mortgage-Backed Securities5771243
Investments14,20517,46619,143
Deposits62,97059,77560,169
Borrowings3,4176,6226,626
Equity6,3285,9954,801
Net Interest Income3,0932,9432,830
Fee Income199206219
Overhead2,1251,9701,952
Net Operating Income1,3991,3371,171
Net Income1,3991,3371,171
Ratio Analysis Profitability%%%
Return on Assets *1.921.801.65
Operating Return on Assets *1.921.801.65
Return on Equity *22.7424.1523.75
Net Interest Margin *4.534.184.21
Fee Income / Assets *0.270.280.31
Overhead / Assets *2.912.652.75
Efficiency Ratio60.3458.9560.19
Asset Quality%%%
Nonperforming Assets / Assets0.220.620.60
Nonperforming Assets / Equity & Loss Reserves2.336.918.06
Loss Reserves / Nonperforming Loans408.93165.33182.30
1-4 Fam Mtg + MBS / Assets28.9128.2725.10
Commercial Real Estate Loans / Assets8.549.3010.54
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets8.157.466.79
Consumer Loans / Assets6.495.165.10
Capitalization%%%
Equity / Assets8.638.226.64
Tangible Capital / Tangible Assets8.638.226.64
Risk-based Capital Ratio14.9316.1215.55
Liquidity%%%
Loans / Deposits82.2779.1571.67
Non-Interest Bearing Deposits / Deposits29.5629.2523.18
Purchased Liabilities9.6411.9112.53

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