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 March 31, 2014
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$76,643$72,292$68,274
Loans Receivable, Net44,59743,12146,128
Mortgage-Backed Securities135243260
Investments20,34419,14313,355
Deposits64,21060,16955,448
Borrowings6,6256,6266,640
Equity5,1284,8015,564
Net Interest Income7162,8302,825
Fee Income51219235
Overhead4851,9521,845
Net Operating Income3041,1711,293
Net Income3041,1711,293
Ratio Analysis Profitability%%%
Return on Assets *1.661.651.93
Operating Return on Assets *1.661.651.93
Return on Equity *24.7723.7524.24
Net Interest Margin *4.174.214.46
Fee Income / Assets *0.300.310.35
Overhead / Assets *2.702.752.75
Efficiency Ratio59.2260.1956.70
Asset Quality%%%
Nonperforming Assets / Assets1.010.600.90
Nonperforming Assets / Equity & Loss Reserves13.518.0610.08
Loss Reserves / Nonperforming Loans92.72182.30132.82
1-4 Fam Mtg + MBS / Assets23.1225.1026.53
Commercial Real Estate Loans / Assets10.5110.5413.81
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.386.798.39
Consumer Loans / Assets4.715.106.52
Capitalization%%%
Equity / Assets6.696.648.15
Tangible Capital / Tangible Assets6.696.648.15
Risk-based Capital Ratio15.2815.5515.04
Liquidity%%%
Loans / Deposits69.4571.6783.19
Non-Interest Bearing Deposits / Deposits25.9123.1822.22
Purchased Liabilities11.8012.5313.00

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