AuburnBank in Auburn, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

AuburnBank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 157Total employees (full-time equivalent)
  • $776,790Total assets
  • $13,589Cash and due from depository institutions
  • $1,194Interest-bearing balances
  • $299,582Securities
  • $41,840Federal funds sold & reverse repurchase agreements
  • $366,691Net loans & leases
  • $6,918Loan loss allowance
  • $0Trading account assets
  • $10,468Bank premises and fixed assets
  • $7,898Other real estate owned
  • $1,245Goodwill and other intangibles
  • $776,790Life insurance assets
  • $35,477All other assets
  • $704,947Total liabilities and capital
  • $620,922Total liabilities
  • $516,674Total deposits
  • $620,922Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 17806.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $63,097Trading liabilities
  • $0Other borrowed funds
  • $3,122Subordinated debt
  • $71,843All other liabilities
  • $71,843Total equity capital
  • $71,843Total bank equity capital
  • $0Perpetual preferred stock
  • $102Common stock
  • $10,781Surplus
  • $60,960Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,346Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,354Income earned, not collected on loans
  • $0Earning assets
  • $2,978Long-term assets (5+ years)
  • $709,307Average Assets, year-to-date
  • $310,230Average Assets, quarterly
  • $771,240Volatile liabilities
  • $770,996Insider loans
  • $443,562FHLB advances
  • $771,693Loans and leases held for sale
  • $16,631Unused loan commitments
  • $7,782Tier 1 (core) risk-based capital
  • $67,542Tier 2 risk-based capital
  • $8,849Total risk weighted assets
  • $0Total unused commitments
  • $43,829Restructured Loans and leases
  • $6,859Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $30,765Total interest income
  • $11,244Total interest expense
  • $19,521Net interest income
  • $2,450Provision for loan and lease losses
  • $4,528Total noninterest income
  • $0Fiduciary activities
  • $1,167Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,361Additional noninterest income
  • $16,545Total noninterest expense
  • $8,160Salaries and employee benefits
  • $1,446Premises and equipment expense
  • $6,939Additional noninterest expense
  • $5,054Pre-tax net operating income
  • $878Securities gains (losses)
  • $88Applicable income taxes
  • $5,844Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,844Net income attributable to bank
  • $0Net charge-offs
  • $5,844Cash dividends
  • $3,208Sale, conversion, retirement of capital stock, net
  • $3,158Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 1.60%Cost of funding earning assets
  • 2.78%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.35%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 8.92%Return on equity (ROE)
  • 4.10%Retained earnings to average equity (YTD only)
  • 0.85%Net charge-offs to loans
  • 76.37%Credit loss provision to net charge-offs
  • 2.34%Efficiency ratio
  • 68,797Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.04%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 66.81%Noncurrent assets plus other real estate owned to assets
  • 2.40%Noncurrent loans to loans
  • 2.77%Net loans and leases to deposits
  • 59.06%Net loans and leases to core deposits
  • 69.66%Equity capital to assets
  • 9.25%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 15.23%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $771,240Average earning assets
  • $65,505Average equity
  • $703,400Average loans

List of branches

  • 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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