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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 December 31, 2015
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$108,320$95,245$99,827
Loans Receivable, Net83,50376,42972,927
Mortgage-Backed Securities4,0293,3280
Investments8,6548,6690
Deposits94,60083,50488,502
Borrowings1,50000
Equity12,10111,60011,180
Net Interest Income3,1533,0633,103
Fee Income605956
Overhead2,5452,4342,374
Net Operating Income698614546
Net Income490408377
Ratio Analysis Profitability%%%
Return on Assets *0.480.420.38
Operating Return on Assets *0.690.630.56
Return on Equity *4.113.573.42
Net Interest Margin *3.183.313.29
Fee Income / Assets *0.060.060.06
Overhead / Assets *2.502.512.41
Efficiency Ratio75.9575.4571.79
Asset Quality%%%
Nonperforming Assets / Assets1.112.081.16
Nonperforming Assets / Equity & Loss Reserves9.4516.169.75
Loss Reserves / Nonperforming Loans59.0343.03101.62
1-4 Fam Mtg + MBS / Assets68.0173.4165.25
Commercial Real Estate Loans / Assets3.061.682.00
Construction Loans / Assets0.120.100.13
Commercial & Industrial Loans / Assets6.125.713.75
Consumer Loans / Assets3.392.962.04
Capitalization%%%
Equity / Assets11.1712.1811.20
Tangible Capital / Tangible Assets11.1712.1811.20
Risk-based Capital Ratio19.4522.2422.83
Liquidity%%%
Loans / Deposits88.2791.5382.40
Non-Interest Bearing Deposits / Deposits0.690.880.37
Purchased Liabilities5.901.450.89

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