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SAFE & SOUND® STAR RATINGS

AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION


CARIBOU, Maine 04736

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$94,434$95,245$99,827
Loans Receivable, Net76,87876,42972,927
Mortgage-Backed Securities3,1943,3280
Investments6,8628,6690
Deposits82,56983,50488,502
Borrowings000
Equity11,76911,60011,180
Net Interest Income7933,0633,103
Fee Income155956
Overhead6572,4342,374
Net Operating Income206614546
Net Income135408377
Ratio Analysis Profitability%%%
Return on Assets *0.410.420.38
Operating Return on Assets *0.610.630.56
Return on Equity *3.383.573.42
Net Interest Margin *3.383.313.29
Fee Income / Assets *0.060.060.06
Overhead / Assets *2.642.512.41
Efficiency Ratio78.3175.4571.79
Asset Quality%%%
Nonperforming Assets / Assets1.252.081.16
Nonperforming Assets / Equity & Loss Reserves9.4816.169.75
Loss Reserves / Nonperforming Loans84.8143.03101.62
1-4 Fam Mtg + MBS / Assets73.8773.4165.25
Commercial Real Estate Loans / Assets1.581.682.00
Construction Loans / Assets0.100.100.13
Commercial & Industrial Loans / Assets6.255.713.75
Consumer Loans / Assets3.102.962.04
Capitalization%%%
Equity / Assets12.4612.1811.20
Tangible Capital / Tangible Assets12.4612.1811.20
Risk-based Capital Ratio23.2622.2422.83
Liquidity%%%
Loans / Deposits93.1191.5382.40
Non-Interest Bearing Deposits / Deposits0.550.880.37
Purchased Liabilities1.461.450.89

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