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, 2013
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$72,292$68,274$64,475
Loans Receivable, Net43,12146,12844,869
Mortgage-Backed Securities243260463
Investments19,14313,35512,211
Deposits60,16955,44851,844
Borrowings6,6266,6406,658
Equity4,8015,5645,345
Net Interest Income2,8302,8252,872
Fee Income219235242
Overhead1,9521,8451,835
Net Operating Income1,1711,2931,351
Net Income1,1711,2931,351
Ratio Analysis Profitability%%%
Return on Assets *1.651.932.07
Operating Return on Assets *1.651.932.07
Return on Equity *23.7524.2425.77
Net Interest Margin *4.214.464.70
Fee Income / Assets *0.310.350.37
Overhead / Assets *2.752.752.81
Efficiency Ratio60.1956.7055.84
Asset Quality%%%
Nonperforming Assets / Assets0.600.900.95
Nonperforming Assets / Equity & Loss Reserves8.0610.0810.50
Loss Reserves / Nonperforming Loans182.30132.821.10
1-4 Fam Mtg + MBS / Assets25.1026.5328.57
Commercial Real Estate Loans / Assets10.5413.8112.80
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.798.396.57
Consumer Loans / Assets5.106.528.84
Capitalization%%%
Equity / Assets6.648.158.29
Tangible Capital / Tangible Assets6.648.158.29
Risk-based Capital Ratio15.5515.0414.83
Liquidity%%%
Loans / Deposits71.6783.1986.55
Non-Interest Bearing Deposits / Deposits23.1822.2221.14
Purchased Liabilities12.5313.0022.79

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