Auburn Banking Company

Auburn Banking Company is headquartered in Auburn and is the 163^rd largest bank in the state of Kentucky. It is also the 5,948^th largest bank in the nation. It was established in 1929 and as of December of 2011, it had grown to 17 employees at 2 locations. Auburn Banking Company has a 4-star health rating.

Data for Q4 2011

Institution Statistics Auburn Banking Company FDIC Certificate # 284 BankRate Report View Year Established 1929 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $64.48 million Loans $44.87 million Deposits $51.84 million Equity Capital $5.35 million Loan Loss Allowance $494,000 Unbacked Noncurrent Loans $538,000 Real Estate Owned $75,000 Historic Data - December 2010 Assets $64.53 million Equity Capital $5.16 million Loan Loss Allowance $477,000 Unbacked Noncurrent Loans $596,000 Real Estate Owned $89,000 Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 2.07% Return on Equity 25.85% Interest Income $3.32 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Auburn Banking Company had $613,000 in non-current loans and owned real-estate with $5.84 million in equity and loan loss allowances on hand to cover it. This gives Auburn Banking Company a Texas Ratio of 10.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Auburn Banking Company held steady from 12.15% as of December 31, 2010 to 10.50% as of December 31, 2011, resulting in a positive change of 13.62%.This indicates that the balance sheet and financial strength for Auburn Banking Company has held steady in recent periods. Deposit Growth In the past year, Auburn Banking Company has decreased its total deposits by $-286,000, resulting in -0.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Auburn Banking Company has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Auburn Banking Company has $64.47 million in assets with $5.84 million in equity, resulting in a capitalization level of 9.06%, which is average.

No reviews have been left for this bank yet. Be the first to review.