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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 September 30, 2014
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$73,016$72,292$68,274
Loans Receivable, Net48,73943,12146,128
Mortgage-Backed Securities74243260
Investments18,39219,14313,355
Deposits59,14060,16955,448
Borrowings7,6236,6266,640
Equity5,6304,8015,564
Net Interest Income2,2042,8302,825
Fee Income158219235
Overhead1,4721,9521,845
Net Operating Income9961,1711,293
Net Income9961,1711,293
Ratio Analysis Profitability%%%
Return on Assets *1.761.651.93
Operating Return on Assets *1.761.651.93
Return on Equity *24.0223.7524.24
Net Interest Margin *4.214.214.46
Fee Income / Assets *0.290.310.35
Overhead / Assets *2.692.752.75
Efficiency Ratio58.3460.1956.70
Asset Quality%%%
Nonperforming Assets / Assets0.980.600.90
Nonperforming Assets / Equity & Loss Reserves11.528.0610.08
Loss Reserves / Nonperforming Loans100.69182.30132.82
1-4 Fam Mtg + MBS / Assets27.3325.1026.53
Commercial Real Estate Loans / Assets10.5410.5413.81
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.086.798.39
Consumer Loans / Assets5.075.106.52
Capitalization%%%
Equity / Assets7.716.648.15
Tangible Capital / Tangible Assets7.716.648.15
Risk-based Capital Ratio15.1015.5515.04
Liquidity%%%
Loans / Deposits82.4171.6783.19
Non-Interest Bearing Deposits / Deposits27.2523.1822.22
Purchased Liabilities13.2912.5313.00

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