AuburnBank in Auburn, Alabama (AL)

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AuburnBank routing number info

Table of contents:
GeneralFDIC Certificate #: 35
Status: Active
Federal Reserve ID: 749635
Bank Holding Company (Regulatory Top Holder): Auburn National Bancorporation, Inc. (RSSDID: 1129533, Location: Auburn, AL)
Date Established: January 03, 1907
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 9177
FDIC's unique #: 17
Numeric code: 13
Regulator: FED
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
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
LocationAddress: 100 North Gay Street, Auburn, AL 36830
County: Lee
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Montgomery
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Auburn-Opelika, AL (#580)
Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194)
Core Based Statistical Area (CBSA): Auburn-Opelika, AL (#12220)
CBSA Metro Statistical Area: Auburn-Opelika, AL (#12220)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $776.8 mil
Equity capital: $71.8 mil
Deposits held in domestic offices: $620.9 mil
Return on assets (ROA): 0.76% ($5.9 mil)
Quarterly return on assets: 0.63% ($4.9 mil)
Return on Equity (ROE): 8.92% ($6.4 mil)
Quarterly return on equity: 6.83% ($4.9 mil)
Net income: $5.8 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 0.77% ($5,981.3 mil)
Quarterly Pretax return on assets: 0.62% ($4,816.1 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)
Total employees (full-time equivalent)157
Total assets$776,790
Cash and due from depository institutions$13,589
Interest-bearing balances$1,194
Federal funds sold & reverse repurchase agreements$41,840
Net loans & leases$366,691
Loan loss allowance $6,918
Trading account assets$0
Bank premises and fixed assets$10,468
Other real estate owned$7,898
Goodwill and other intangibles$1,245
All other assets$35,477
Life insurance assets$776,790
Total liabilities and capital$704,947
Total liabilities$620,922
Total deposits$516,674
Interest-bearing deposits$620,922
Deposits held in domestic offices$75
% insured (estimated)17806.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$63,097
Other borrowed funds $0
Subordinated debt $3,122
All other liabilities $71,843
Total equity capital$71,843
Total bank equity capital$71,843
Perpetual preferred stock$0
Common stock$102
Undivided profits $60,960
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,346
Income earned, not collected on loans $10,354
Earning assets $0
Long-term assets (5+ years) $2,978
Average Assets, year-to-date $709,307
Average Assets, quarterly $310,230
Volatile liabilities $771,240
Insider loans $770,996
FHLB advances $443,562
Loans and leases held for sale $771,693
Unused loan commitments $16,631
Tier 1 (core) risk-based capital $7,782
Tier 2 risk-based capital $67,542
Total risk weighted assets $8,849
Total unused commitments $0
Restructured Loans and leases $43,829
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $30,765
Total interest expense $11,244
Net interest income $19,521
Provision for loan and lease losses $2,450
Total noninterest income $4,528
Fiduciary activities $0
Service charges on deposit accounts $1,167
Trading account gains & fees $0
Additional noninterest income $3,361
Total noninterest expense $16,545
Salaries and employee benefits $8,160
Premises and equipment expense $1,446
Additional noninterest expense $6,939
Pre-tax net operating income $5,054
Securities gains (losses) $878
Applicable income taxes $88
Income before extraordinary items $5,844
Extraordinary gains - net $0
Net income attributable to bank $5,844
Net charge-offs $0
Cash dividends $5,844
Sale, conversion, retirement of capital stock, net $3,208
Net operating income $3,158
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.37%
Cost of funding earning assets 1.60%
Net interest margin 2.78%
Noninterest income to earning assets 0.64%
Noninterest expense to earning assets 2.35%
Net operating income to assets 0.65%
Return on assets (ROA) 0.76%
Pretax return on assets 0.77%
Return on equity (ROE) 8.92%
Retained earnings to average equity (YTD only) 4.10%
Net charge-offs to loans 0.85%
Credit loss provision to net charge-offs 76.37%
Efficiency ratio2.34%
Assets per employee$68,797
Cash dividends to net income (YTD only)4.95%
Condition Ratios (%)
Loss allowance to loans 54.04%
Loss allowance to noncurrent loans 1.85%
Noncurrent assets plus other real estate owned to assets 66.81%
Noncurrent loans to loans 2.40%
Net loans and leases to deposits2.77%
Net loans and leases to core deposits 59.06%
Equity capital to assets 69.66%
Core capital (leverage) ratio 9.25%
Tier 1 risk-based capital ratio 8.75%
Total risk-based capital ratio 15.23%
Average assets$16
Average earning assets$771,240
Average equity $65,505
Average loans $703,400
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10 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
017Auburnbank100 North Gay Street, Auburn, AL 36830January 03, 1907Full Service Brick and Mortar
2180885Kroger Branch300 North Dean Road, Auburn, AL 36830August 22, 1988Full Service Retail
3180886Opelika Branch215 South 6th Street, Opelika, AL 36801May 24, 1991Full Service Brick and Mortar
5180888Phenix City Branch3700 U.S. Hwy 431 N, Phenix City, AL 36867August 09, 1998Full Service Retail
6180889Hurtsboro Branch312 Main St, Hurtsboro, AL 36860June 28, 1999Full Service Brick and Mortar
7361391Auburn Wal-Mart Branch1717 South College, Auburn, AL 36830September 20, 2000Full Service Retail
8364622Notasulga Branch950 Auburn Rd., Notasulga, AL 36866August 09, 2001Full Service Brick and Mortar
9420044Opelika Wal-Mart Branch2900 Pepperell Parkway, Opelika, AL 36801July 15, 2002Full Service Retail
10478897Tigertown Kroger Branch - Opelika Br2450 Enterprise Drive, Opelika, AL 36802July 12, 2007Full Service Retail
12493224Bentcreek Branch2315 Bentcreek Road, Auburn, AL 36830March 01, 2009Full Service Brick and Mortar
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