SAFE & SOUND® STAR RATINGS

Financial statement

AUBURN SAVINGS BANK, FSB

AUBURN, Maine 04210

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$73,041$72,038$74,869
Loans Receivable, Net61,69461,67160,323
Mortgage-Backed Securities1,3681,373559
Investments2,2282,2621,009
Deposits51,32951,81954,786
Borrowings15,20013,50413,159
Equity5,7605,9836,266
Net Interest Income1,8432,4442,610
Fee Income120138199
Overhead1,7442,4532,667
Net Operating Income-452-82517
Net Income-320-64344
Ratio Analysis Profitability%%%
Return on Assets *-0.48-0.090.46
Operating Return on Assets *-0.68-0.110.69
Return on Equity *-5.89-1.065.59
Net Interest Margin *3.633.603.73
Fee Income / Assets *0.210.190.27
Overhead / Assets *3.253.383.58
Efficiency Ratio91.6498.2478.37
Asset Quality%%%
Nonperforming Assets / Assets1.462.343.36
Nonperforming Assets / Equity & Loss Reserves16.4825.4836.04
Loss Reserves / Nonperforming Loans88.8140.2935.87
1-4 Fam Mtg + MBS / Assets69.0469.1062.92
Commercial Real Estate Loans / Assets9.4210.2813.79
Construction Loans / Assets1.963.040.83
Commercial & Industrial Loans / Assets3.271.754.04
Consumer Loans / Assets0.470.460.69
Capitalization%%%
Equity / Assets7.898.318.37
Tangible Capital / Tangible Assets7.738.118.21
Risk-based Capital Ratio13.2014.1113.57
Liquidity%%%
Loans / Deposits120.19119.01110.11
Non-Interest Bearing Deposits / Deposits6.134.992.94
Purchased Liabilities24.8521.5620.03

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