SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$72,038$74,869$77,832
Loans Receivable, Net61,67160,32364,625
Mortgage-Backed Securities1,373559545
Investments2,2621,0096,012
Deposits51,81954,78653,830
Borrowings13,50413,15917,810
Equity5,9836,2665,834
Net Interest Income2,4442,6102,747
Fee Income138199189
Overhead2,4532,6672,693
Net Operating Income-82517-61
Net Income-64344-78
Ratio Analysis Profitability%%%
Return on Assets *-0.090.46-0.01
Operating Return on Assets *-0.110.69-0.08
Return on Equity *-1.065.59-0.19
Net Interest Margin *3.603.733.77
Fee Income / Assets *0.190.270.24
Overhead / Assets *3.383.583.40
Efficiency Ratio98.2478.3711269.00
Asset Quality%%%
Nonperforming Assets / Assets2.343.362.78
Nonperforming Assets / Equity & Loss Reserves25.4836.0433.13
Loss Reserves / Nonperforming Loans40.2935.871.06
1-4 Fam Mtg + MBS / Assets69.1062.9264.23
Commercial Real Estate Loans / Assets10.2813.7912.63
Construction Loans / Assets3.040.830.99
Commercial & Industrial Loans / Assets1.754.045.48
Consumer Loans / Assets0.460.690.95
Capitalization%%%
Equity / Assets8.318.377.50
Tangible Capital / Tangible Assets8.118.217.42
Risk-based Capital Ratio14.1113.5712.75
Liquidity%%%
Loans / Deposits119.01110.11120.05
Non-Interest Bearing Deposits / Deposits4.992.94n/a
Purchased Liabilities21.5620.0332.12

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