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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, 2015
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$71,716$72,937$72,292
Loans Receivable, Net50,50247,30943,121
Mortgage-Backed Securities6071243
Investments14,76817,46619,143
Deposits60,97759,77560,169
Borrowings4,0196,6226,626
Equity6,0635,9954,801
Net Interest Income2,3302,9432,830
Fee Income150206219
Overhead1,5791,9701,952
Net Operating Income1,0721,3371,171
Net Income1,0721,3371,171
Ratio Analysis Profitability%%%
Return on Assets *1.931.801.65
Operating Return on Assets *1.931.801.65
Return on Equity *23.2824.1523.75
Net Interest Margin *4.494.184.21
Fee Income / Assets *0.270.280.31
Overhead / Assets *2.842.652.75
Efficiency Ratio59.6158.9560.19
Asset Quality%%%
Nonperforming Assets / Assets0.440.620.60
Nonperforming Assets / Equity & Loss Reserves4.826.918.06
Loss Reserves / Nonperforming Loans394.21165.33182.30
1-4 Fam Mtg + MBS / Assets28.4328.2725.10
Commercial Real Estate Loans / Assets9.079.3010.54
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets7.187.466.79
Consumer Loans / Assets6.025.165.10
Capitalization%%%
Equity / Assets8.458.226.64
Tangible Capital / Tangible Assets8.458.226.64
Risk-based Capital Ratio13.0316.1215.55
Liquidity%%%
Loans / Deposits82.8279.1571.67
Non-Interest Bearing Deposits / Deposits27.8329.2523.18
Purchased Liabilities9.6511.9112.53

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