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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, 2014
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$72,937$72,292$68,274
Loans Receivable, Net47,30943,12146,128
Mortgage-Backed Securities71243260
Investments17,46619,14313,355
Deposits59,77560,16955,448
Borrowings6,6226,6266,640
Equity5,9954,8015,564
Net Interest Income2,9432,8302,825
Fee Income206219235
Overhead1,9701,9521,845
Net Operating Income1,3371,1711,293
Net Income1,3371,1711,293
Ratio Analysis Profitability%%%
Return on Assets *1.801.651.93
Operating Return on Assets *1.801.651.93
Return on Equity *24.1523.7524.24
Net Interest Margin *4.184.214.46
Fee Income / Assets *0.280.310.35
Overhead / Assets *2.652.752.75
Efficiency Ratio58.9560.1956.70
Asset Quality%%%
Nonperforming Assets / Assets0.620.600.90
Nonperforming Assets / Equity & Loss Reserves6.918.0610.08
Loss Reserves / Nonperforming Loans165.33182.30132.82
1-4 Fam Mtg + MBS / Assets28.2725.1026.53
Commercial Real Estate Loans / Assets9.3010.5413.81
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.466.798.39
Consumer Loans / Assets5.165.106.52
Capitalization%%%
Equity / Assets8.226.648.15
Tangible Capital / Tangible Assets8.226.648.15
Risk-based Capital Ratio16.1215.5515.04
Liquidity%%%
Loans / Deposits79.1571.6783.19
Non-Interest Bearing Deposits / Deposits29.2523.1822.22
Purchased Liabilities11.9112.5313.00

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