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SAFE & SOUND® STAR RATINGS

AUBURN SAVINGS BANK, FSB


AUBURN, Maine 04210

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$71,210$72,338$72,038
Loans Receivable, Net61,48061,80261,671
Mortgage-Backed Securities1,3011,3781,373
Investments2,0142,2332,262
Deposits49,15851,13251,819
Borrowings14,96214,20013,504
Equity6,0835,8675,983
Net Interest Income2,6452,4582,444
Fee Income157157138
Overhead2,3902,3212,453
Net Operating Income290-388-82
Net Income200-273-64
Ratio Analysis Profitability%%%
Return on Assets *0.28-0.38-0.09
Operating Return on Assets *0.41-0.54-0.11
Return on Equity *3.34-4.65-1.06
Net Interest Margin *3.883.603.60
Fee Income / Assets *0.220.220.19
Overhead / Assets *3.343.253.38
Efficiency Ratio85.3690.9598.24
Asset Quality%%%
Nonperforming Assets / Assets2.171.432.34
Nonperforming Assets / Equity & Loss Reserves22.6915.7825.48
Loss Reserves / Nonperforming Loans47.4578.4540.29
1-4 Fam Mtg + MBS / Assets69.7670.7869.10
Commercial Real Estate Loans / Assets9.609.2110.28
Construction Loans / Assets1.821.223.04
Commercial & Industrial Loans / Assets4.433.391.75
Consumer Loans / Assets0.500.550.46
Capitalization%%%
Equity / Assets8.548.118.31
Tangible Capital / Tangible Assets8.447.978.11
Risk-based Capital Ratio14.8713.3614.11
Liquidity%%%
Loans / Deposits125.07120.87119.01
Non-Interest Bearing Deposits / Deposits6.346.764.99
Purchased Liabilities22.5123.2521.56

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