Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 10.7. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 19.1 percent and a “hot money” ratio of 14.5 percent.
Asset Mix:
Securities (23%), comm re (23%), cash (13%), home mtgs (11%), comm loans (3%), home eq lns (1%), consumer loans (1%), other (25%)
States with Branches:
AL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Auburn National Bancorporation, Inc.
Investment Rating
Address
100 North Gay Street
Auburn, AL 36830
Auburn, AL 36830
Phone Number
(334) 821-9200
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.