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SAFE & SOUND® STAR RATINGS

AUBURN SAVINGS BANK, FSB


AUBURN, Maine 04210

STAR RATING: 2 starstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$71,973$72,338$72,038
Loans Receivable, Net62,46161,80261,671
Mortgage-Backed Securities1,3841,3781,373
Investments2,2142,2332,262
Deposits50,38251,13251,819
Borrowings14,76514,20013,504
Equity5,9155,8675,983
Net Interest Income6372,4582,444
Fee Income36157138
Overhead6122,3212,453
Net Operating Income21-388-82
Net Income15-273-64
Ratio Analysis Profitability%%%
Return on Assets *-0.39-0.38-0.09
Operating Return on Assets *-0.56-0.54-0.11
Return on Equity *-4.79-4.65-1.06
Net Interest Margin *3.633.603.60
Fee Income / Assets *0.220.220.19
Overhead / Assets *3.283.253.38
Efficiency Ratio94.4490.9598.24
Asset Quality%%%
Nonperforming Assets / Assets1.211.432.34
Nonperforming Assets / Equity & Loss Reserves13.1015.7825.48
Loss Reserves / Nonperforming Loans81.8078.4540.29
1-4 Fam Mtg + MBS / Assets70.9470.7869.10
Commercial Real Estate Loans / Assets10.099.2110.28
Construction Loans / Assets1.281.223.04
Commercial & Industrial Loans / Assets3.703.391.75
Consumer Loans / Assets0.540.550.46
Capitalization%%%
Equity / Assets8.228.118.31
Tangible Capital / Tangible Assets8.097.978.11
Risk-based Capital Ratio15.4113.3614.11
Liquidity%%%
Loans / Deposits123.97120.87119.01
Non-Interest Bearing Deposits / Deposits6.866.764.99
Purchased Liabilities23.9023.2521.56

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