Auburn Banking Company in Auburn, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Auburn Banking Company - Overview

  • General
  • FDIC Certificate #: 284
    Status: Active
    Federal Reserve ID: 811541
    Bank Holding Company (Regulatory Top Holder): First Community Bancorp, Inc (RSSDID: 2151670, Location: Auburn, KY)
    Date Established: January 01, 1929
    WWW: http://www.auburnbankingcompany.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9664
    FDIC's unique #: 228
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Lincoln Streets, Auburn, KY 42206
    County: Logan
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $64.5 mil
    Equity capital: $5.3 mil
    Deposits held in domestic offices: $51.8 mil
    Return on assets (ROA): 2.07% ($1.3 mil)
    Quarterly return on assets: 1.94% ($1.2 mil)
    Return on Equity (ROE): 25.85% ($1.3 mil)
    Quarterly return on equity: 23.72% ($1.2 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.07% ($1,334.6 mil)
    Quarterly Pretax return on assets: 1.94% ($1,250.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $64,475Total assets
  • $2,193Cash and due from depository institutions
  • $8Interest-bearing balances
  • $12,674Securities
  • $2,629Federal funds sold & reverse repurchase agreements
  • $44,869Net loans & leases
  • $494Loan loss allowance
  • $0Trading account assets
  • $1,075Bank premises and fixed assets
  • $75Other real estate owned
  • $0Goodwill and other intangibles
  • $64,475Life insurance assets
  • $960All other assets
  • $59,130Total liabilities and capital
  • $51,844Total liabilities
  • $40,882Total deposits
  • $51,844Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 6600.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $58Trading liabilities
  • $0Other borrowed funds
  • $628Subordinated debt
  • $5,345All other liabilities
  • $5,345Total equity capital
  • $5,345Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,685Surplus
  • $1,460Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $538Income earned, not collected on loans
  • $0Earning assets
  • $449Long-term assets (5+ years)
  • $60,180Average Assets, year-to-date
  • $35,672Average Assets, quarterly
  • $65,235Volatile liabilities
  • $64,385Insider loans
  • $41,255FHLB advances
  • $64,443Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,625Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,056Restructured Loans and leases
  • $2,015Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,319Total interest income
  • $447Total interest expense
  • $2,872Net interest income
  • $120Provision for loan and lease losses
  • $414Total noninterest income
  • $0Fiduciary activities
  • $230Service charges on deposit accounts
  • $0Trading account gains & fees
  • $184Additional noninterest income
  • $1,835Total noninterest expense
  • $915Salaries and employee benefits
  • $160Premises and equipment expense
  • $760Additional noninterest expense
  • $1,331Pre-tax net operating income
  • $20Securities gains (losses)
  • $0Applicable income taxes
  • $1,351Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,351Net income attributable to bank
  • $0Net charge-offs
  • $1,351Cash dividends
  • $103Sale, conversion, retirement of capital stock, net
  • $1,252Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 4.71%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 2.04%Net operating income to assets
  • 2.07%Return on assets (ROA)
  • 2.07%Pretax return on assets
  • 25.85%Return on equity (ROE)
  • 1.89%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 116.50%Credit loss provision to net charge-offs
  • 14.09%Efficiency ratio
  • 55,843Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.67%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 91.82%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 1.19%Net loans and leases to deposits
  • 86.55%Net loans and leases to core deposits
  • 91.01%Equity capital to assets
  • 8.29%Core capital (leverage) ratio
  • 8.73%Tier 1 risk-based capital ratio
  • 13.63%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $65,235Average earning assets
  • $5,226Average equity
  • $61,025Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0228Auburn Banking CompanyMain And Lincoln Streets, Auburn, KY 42206January 01, 1929Full Service Brick and Mortar
    1181457Russellville Branch404 Hopkinsville Road, Russellville, KY 42276August 10, 1998Full Service Brick and Mortar

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