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SAFE & SOUND® STAR RATINGS

AUBURN SAVINGS BANK, FSB


AUBURN, Maine 04210

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$72,338$72,038$74,869
Loans Receivable, Net61,80261,67160,323
Mortgage-Backed Securities1,3781,373559
Investments2,2332,2621,009
Deposits51,13251,81954,786
Borrowings14,20013,50413,159
Equity5,8675,9836,266
Net Interest Income2,4582,4442,610
Fee Income157138199
Overhead2,3212,4532,667
Net Operating Income-388-82517
Net Income-273-64344
Ratio Analysis Profitability%%%
Return on Assets *-0.38-0.090.46
Operating Return on Assets *-0.54-0.110.69
Return on Equity *-4.65-1.065.59
Net Interest Margin *3.603.603.73
Fee Income / Assets *0.220.190.27
Overhead / Assets *3.253.383.58
Efficiency Ratio90.9598.2478.37
Asset Quality%%%
Nonperforming Assets / Assets1.432.343.36
Nonperforming Assets / Equity & Loss Reserves15.7825.4836.04
Loss Reserves / Nonperforming Loans78.4540.2935.87
1-4 Fam Mtg + MBS / Assets70.7869.1062.92
Commercial Real Estate Loans / Assets9.2110.2813.79
Construction Loans / Assets1.223.040.83
Commercial & Industrial Loans / Assets3.391.754.04
Consumer Loans / Assets0.550.460.69
Capitalization%%%
Equity / Assets8.118.318.37
Tangible Capital / Tangible Assets7.978.118.21
Risk-based Capital Ratio13.3614.1113.57
Liquidity%%%
Loans / Deposits120.87119.01110.11
Non-Interest Bearing Deposits / Deposits6.764.992.94
Purchased Liabilities23.2521.5620.03

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