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 June 30, 2014
Federal Reserve System Identifier 811541




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$74,453$72,292$68,274
Loans Receivable, Net47,26843,12146,128
Mortgage-Backed Securities77243260
Investments20,51919,14313,355
Deposits59,72060,16955,448
Borrowings8,6246,6266,640
Equity5,3954,8015,564
Net Interest Income1,4332,8302,825
Fee Income100219235
Overhead9661,9521,845
Net Operating Income6251,1711,293
Net Income6251,1711,293
Ratio Analysis Profitability%%%
Return on Assets *1.641.651.93
Operating Return on Assets *1.641.651.93
Return on Equity *23.9623.7524.24
Net Interest Margin *4.084.214.46
Fee Income / Assets *0.280.310.35
Overhead / Assets *2.652.752.75
Efficiency Ratio59.0560.1956.70
Asset Quality%%%
Nonperforming Assets / Assets0.590.600.90
Nonperforming Assets / Equity & Loss Reserves7.308.0610.08
Loss Reserves / Nonperforming Loans160.16182.30132.82
1-4 Fam Mtg + MBS / Assets24.5225.1026.53
Commercial Real Estate Loans / Assets11.6910.5413.81
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets6.986.798.39
Consumer Loans / Assets4.835.106.52
Capitalization%%%
Equity / Assets7.256.648.15
Tangible Capital / Tangible Assets7.256.648.15
Risk-based Capital Ratio14.7615.5515.04
Liquidity%%%
Loans / Deposits79.1571.6783.19
Non-Interest Bearing Deposits / Deposits25.8623.1822.22
Purchased Liabilities14.8912.5313.00

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