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 March 31, 2014
Federal Reserve System Identifier 229173




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$71,509$72,038$74,869
Loans Receivable, Net61,97161,67160,323
Mortgage-Backed Securities1,3881,373559
Investments2,2572,2621,009
Deposits51,29251,81954,786
Borrowings13,46413,50413,159
Equity6,0435,9836,266
Net Interest Income6092,4442,610
Fee Income34138199
Overhead5822,4532,667
Net Operating Income32-82517
Net Income22-64344
Ratio Analysis Profitability%%%
Return on Assets *-0.01-0.090.46
Operating Return on Assets *0.00-0.110.69
Return on Equity *-0.17-1.065.59
Net Interest Margin *3.663.603.73
Fee Income / Assets *0.180.190.27
Overhead / Assets *3.313.383.58
Efficiency Ratio90.3798.2478.37
Asset Quality%%%
Nonperforming Assets / Assets2.772.343.36
Nonperforming Assets / Equity & Loss Reserves29.5925.4836.04
Loss Reserves / Nonperforming Loans34.5840.2935.87
1-4 Fam Mtg + MBS / Assets70.2869.1062.92
Commercial Real Estate Loans / Assets9.7610.2813.79
Construction Loans / Assets3.003.040.83
Commercial & Industrial Loans / Assets2.301.754.04
Consumer Loans / Assets0.430.460.69
Capitalization%%%
Equity / Assets8.458.318.37
Tangible Capital / Tangible Assets8.278.118.21
Risk-based Capital Ratio14.2414.1113.57
Liquidity%%%
Loans / Deposits120.82119.01110.11
Non-Interest Bearing Deposits / Deposits4.374.992.94
Purchased Liabilities21.9621.5620.03

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