SAFE & SOUND® STAR RATINGS

Financial statement

AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION
43 HIGH STREET
CARIBOU, Maine 04736

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$99,827$100,458$98,390
Loans Receivable, Net72,92775,03478,117
Mortgage-Backed Securities000
Investments000
Deposits88,50289,37187,874
Borrowings000
Equity11,18010,80210,005
Net Interest Income3,1033,2843,219
Fee Income5675231
Overhead2,3742,3482,382
Net Operating Income5461,090589
Net Income377739124
Ratio Analysis Profitability%%%
Return on Assets *0.380.750.42
Operating Return on Assets *0.561.110.60
Return on Equity *3.427.034.15
Net Interest Margin *3.293.483.48
Fee Income / Assets *0.060.080.23
Overhead / Assets *2.412.392.43
Efficiency Ratio71.7966.536632.00
Asset Quality%%%
Nonperforming Assets / Assets1.161.691.96
Nonperforming Assets / Equity & Loss Reserves9.7515.1017.88
Loss Reserves / Nonperforming Loans101.6240.210.97
1-4 Fam Mtg + MBS / Assets65.2567.0667.19
Commercial Real Estate Loans / Assets2.002.927.64
Construction Loans / Assets0.130.100.53
Commercial & Industrial Loans / Assets3.752.462.13
Consumer Loans / Assets2.042.092.48
Capitalization%%%
Equity / Assets11.2010.7510.17
Tangible Capital / Tangible Assets11.2010.7510.17
Risk-based Capital Ratio22.8321.6720.47
Liquidity%%%
Loans / Deposits82.4083.9688.90
Non-Interest Bearing Deposits / Deposits0.370.79n/a
Purchased Liabilities0.891.938.70

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