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SAFE & SOUND® STAR RATINGS

AUBURN SAVINGS BANK, FSB


AUBURN, Maine 04210

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$69,576$71,210$72,338
Loans Receivable, Net61,56761,48061,802
Mortgage-Backed Securities1,3261,3011,378
Investments2,0132,0142,233
Deposits50,05549,15851,132
Borrowings12,45014,96214,200
Equity6,2236,0835,867
Net Interest Income6662,6452,458
Fee Income36157157
Overhead5722,3902,321
Net Operating Income121290-388
Net Income82200-273
Ratio Analysis Profitability%%%
Return on Assets *0.380.28-0.38
Operating Return on Assets *0.550.41-0.54
Return on Equity *4.413.34-4.65
Net Interest Margin *3.953.883.60
Fee Income / Assets *0.220.220.22
Overhead / Assets *3.313.343.25
Efficiency Ratio79.1185.3690.95
Asset Quality%%%
Nonperforming Assets / Assets2.062.171.43
Nonperforming Assets / Equity & Loss Reserves20.5822.6915.78
Loss Reserves / Nonperforming Loans52.0247.4578.45
1-4 Fam Mtg + MBS / Assets71.0569.7670.78
Commercial Real Estate Loans / Assets10.079.609.21
Construction Loans / Assets1.651.821.22
Commercial & Industrial Loans / Assets5.184.433.39
Consumer Loans / Assets0.400.500.55
Capitalization%%%
Equity / Assets8.948.548.11
Tangible Capital / Tangible Assets8.858.447.97
Risk-based Capital Ratio15.3914.8713.36
Liquidity%%%
Loans / Deposits123.00125.07120.87
Non-Interest Bearing Deposits / Deposits6.826.346.76
Purchased Liabilities19.7322.5123.25

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