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SAFE & SOUND® STAR RATINGS

AUBURN SAVINGS BANK, FSB


AUBURN, Maine 04210

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$71,634$72,338$72,038
Loans Receivable, Net62,93961,80261,671
Mortgage-Backed Securities1,3431,3781,373
Investments2,1062,2332,262
Deposits49,09551,13251,819
Borrowings15,75014,20013,504
Equity6,0295,8675,983
Net Interest Income1,9712,4582,444
Fee Income115157138
Overhead1,8112,3212,453
Net Operating Income175-388-82
Net Income121-273-64
Ratio Analysis Profitability%%%
Return on Assets *0.23-0.38-0.09
Operating Return on Assets *0.33-0.54-0.11
Return on Equity *2.83-4.65-1.06
Net Interest Margin *3.793.603.60
Fee Income / Assets *0.210.220.19
Overhead / Assets *3.323.253.38
Efficiency Ratio87.2490.9598.24
Asset Quality%%%
Nonperforming Assets / Assets2.291.432.34
Nonperforming Assets / Equity & Loss Reserves24.1915.7825.48
Loss Reserves / Nonperforming Loans45.3678.4540.29
1-4 Fam Mtg + MBS / Assets71.3270.7869.10
Commercial Real Estate Loans / Assets9.899.2110.28
Construction Loans / Assets1.631.223.04
Commercial & Industrial Loans / Assets4.303.391.75
Consumer Loans / Assets0.510.550.46
Capitalization%%%
Equity / Assets8.428.118.31
Tangible Capital / Tangible Assets8.317.978.11
Risk-based Capital Ratio14.7413.3614.11
Liquidity%%%
Loans / Deposits128.20120.87119.01
Non-Interest Bearing Deposits / Deposits8.036.764.99
Purchased Liabilities23.4823.2521.56

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