SAFE & SOUND® STAR RATINGS

Financial statement

AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION

CARIBOU, Maine 04736

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$97,026$99,827$100,458
Loans Receivable, Net74,03072,92775,034
Mortgage-Backed Securities3,47700
Investments10,62500
Deposits85,42688,50289,371
Borrowings000
Equity11,47111,18010,802
Net Interest Income2,2823,1033,284
Fee Income425675
Overhead1,7652,3742,348
Net Operating Income4865461,090
Net Income312377739
Ratio Analysis Profitability%%%
Return on Assets *0.440.380.75
Operating Return on Assets *0.640.561.11
Return on Equity *3.843.427.03
Net Interest Margin *3.223.293.48
Fee Income / Assets *0.060.060.08
Overhead / Assets *2.402.412.39
Efficiency Ratio73.8571.7966.53
Asset Quality%%%
Nonperforming Assets / Assets1.531.161.69
Nonperforming Assets / Equity & Loss Reserves12.269.7515.10
Loss Reserves / Nonperforming Loans59.43101.6240.21
1-4 Fam Mtg + MBS / Assets71.2165.2567.06
Commercial Real Estate Loans / Assets1.692.002.92
Construction Loans / Assets0.110.130.10
Commercial & Industrial Loans / Assets4.463.752.46
Consumer Loans / Assets2.492.042.09
Capitalization%%%
Equity / Assets11.8211.2010.75
Tangible Capital / Tangible Assets11.8211.2010.75
Risk-based Capital Ratio22.1822.8321.67
Liquidity%%%
Loans / Deposits86.6682.4083.96
Non-Interest Bearing Deposits / Deposits0.800.370.79
Purchased Liabilities1.380.891.93

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