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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, 2012
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$100,458$98,390$98,086
Loans Receivable, Net75,03478,11779,207
Mortgage-Backed Securities000
Investments000
Deposits89,37187,87487,901
Borrowings000
Equity10,80210,0059,597
Net Interest Income3,2843,2193,167
Fee Income75231207
Overhead2,3482,3822,168
Net Operating Income1,090589782
Net Income739124293
Ratio Analysis Profitability%%%
Return on Assets *0.750.420.54
Operating Return on Assets *1.110.600.81
Return on Equity *7.034.155.60
Net Interest Margin *3.483.483.46
Fee Income / Assets *0.080.230.21
Overhead / Assets *2.392.432.24
Efficiency Ratio66.5366326731
Asset Quality%%%
Nonperforming Assets / Assets1.691.961.37
Nonperforming Assets / Equity & Loss Reserves15.1017.8813.26
Loss Reserves / Nonperforming Loans40.210.970.69
1-4 Fam Mtg + MBS / Assets67.0667.1966.86
Commercial Real Estate Loans / Assets2.927.647.58
Construction Loans / Assets0.100.532.00
Commercial & Industrial Loans / Assets2.462.131.89
Consumer Loans / Assets2.092.482.79
Capitalization%%%
Equity / Assets10.7510.179.78
Tangible Capital / Tangible Assets10.7510.179.78
Risk-based Capital Ratio21.6720.4719.46
Liquidity%%%
Loans / Deposits83.9688.9090.11
Non-Interest Bearing Deposits / Deposits0.79n/an/a
Purchased Liabilities1.938.709.28

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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