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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 March 31, 2016
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$75,777$73,343$72,937
Loans Receivable, Net52,09551,80547,309
Mortgage-Backed Securities545771
Investments12,27214,20517,466
Deposits66,38262,97059,775
Borrowings2,5163,4176,622
Equity6,3576,3285,995
Net Interest Income7573,0932,943
Fee Income55199206
Overhead5662,1251,970
Net Operating Income3031,3991,337
Net Income3031,3991,337
Ratio Analysis Profitability%%%
Return on Assets *1.831.921.80
Operating Return on Assets *1.831.921.80
Return on Equity *21.6122.7424.15
Net Interest Margin *4.494.534.18
Fee Income / Assets *0.280.270.28
Overhead / Assets *2.992.912.65
Efficiency Ratio65.1360.3458.95
Asset Quality%%%
Nonperforming Assets / Assets0.260.220.62
Nonperforming Assets / Equity & Loss Reserves2.862.336.91
Loss Reserves / Nonperforming Loans312.75408.93165.33
1-4 Fam Mtg + MBS / Assets27.9428.9128.27
Commercial Real Estate Loans / Assets8.108.549.30
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets8.018.157.46
Consumer Loans / Assets5.676.495.16
Capitalization%%%
Equity / Assets8.398.638.22
Tangible Capital / Tangible Assets8.398.638.22
Risk-based Capital Ratio13.8614.9316.12
Liquidity%%%
Loans / Deposits78.4882.2779.15
Non-Interest Bearing Deposits / Deposits28.2029.5629.25
Purchased Liabilities8.169.6411.91

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