SAFE & SOUND® STAR RATINGS

Financial statement

AUBURN SAVINGS BANK, FSB

AUBURN, Maine 04210

STAR RATING: 2 starstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$72,075$72,038$74,869
Loans Receivable, Net61,90661,67160,323
Mortgage-Backed Securities1,3921,373559
Investments2,2592,2621,009
Deposits51,02951,81954,786
Borrowings13,92513,50413,159
Equity5,8275,9836,266
Net Interest Income1,2222,4442,610
Fee Income75138199
Overhead1,1672,4532,667
Net Operating Income-365-82517
Net Income-254-64344
Ratio Analysis Profitability%%%
Return on Assets *-0.39-0.090.46
Operating Return on Assets *-0.55-0.110.69
Return on Equity *-4.64-1.065.59
Net Interest Margin *3.653.603.73
Fee Income / Assets *0.180.190.27
Overhead / Assets *3.233.383.58
Efficiency Ratio94.3498.2478.37
Asset Quality%%%
Nonperforming Assets / Assets1.722.343.36
Nonperforming Assets / Equity & Loss Reserves19.3525.4836.04
Loss Reserves / Nonperforming Loans46.5740.2935.87
1-4 Fam Mtg + MBS / Assets69.9169.1062.92
Commercial Real Estate Loans / Assets9.5710.2813.79
Construction Loans / Assets2.373.040.83
Commercial & Industrial Loans / Assets2.681.754.04
Consumer Loans / Assets0.420.460.69
Capitalization%%%
Equity / Assets8.088.318.37
Tangible Capital / Tangible Assets7.928.118.21
Risk-based Capital Ratio13.6314.1113.57
Liquidity%%%
Loans / Deposits121.32119.01110.11
Non-Interest Bearing Deposits / Deposits5.244.992.94
Purchased Liabilities23.3321.5620.03

* Calculations are based on the latest four quarters of income and expense.
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