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SAFE & SOUND® STAR RATINGS

Financial statement

AUBURN SAVINGS BANK, FSB
256 COURT STREET
AUBURN, Maine 04210

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$74,869$77,832$80,506
Loans Receivable, Net60,32364,62570,440
Mortgage-Backed Securities559545100
Investments1,0096,0123,132
Deposits54,78653,83054,230
Borrowings13,15917,81019,858
Equity6,2665,8345,976
Net Interest Income2,6102,7472,693
Fee Income199189133
Overhead2,6672,6932,144
Net Operating Income517-61449
Net Income344-78129
Ratio Analysis Profitability%%%
Return on Assets *0.46-0.010.38
Operating Return on Assets *0.69-0.080.56
Return on Equity *5.59-0.195.11
Net Interest Margin *3.733.773.61
Fee Income / Assets *0.270.240.17
Overhead / Assets *3.583.402.69
Efficiency Ratio78.37112696985
Asset Quality%%%
Nonperforming Assets / Assets3.362.781.60
Nonperforming Assets / Equity & Loss Reserves36.0433.1319.44
Loss Reserves / Nonperforming Loans35.871.060.91
1-4 Fam Mtg + MBS / Assets62.9264.2359.69
Commercial Real Estate Loans / Assets13.7912.6320.39
Construction Loans / Assets0.830.990.83
Commercial & Industrial Loans / Assets4.045.486.03
Consumer Loans / Assets0.690.951.16
Capitalization%%%
Equity / Assets8.377.507.42
Tangible Capital / Tangible Assets8.217.427.34
Risk-based Capital Ratio13.5712.7511.61
Liquidity%%%
Loans / Deposits110.11120.05129.89
Non-Interest Bearing Deposits / Deposits2.94n/an/a
Purchased Liabilities20.0332.1233.34

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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