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SAFE & SOUND® STAR RATINGS

AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION


CARIBOU, Maine 04736

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$95,245$99,827$100,458
Loans Receivable, Net76,42972,92775,034
Mortgage-Backed Securities3,32800
Investments8,66900
Deposits83,50488,50289,371
Borrowings000
Equity11,60011,18010,802
Net Interest Income3,0633,1033,284
Fee Income595675
Overhead2,4342,3742,348
Net Operating Income6145461,090
Net Income408377739
Ratio Analysis Profitability%%%
Return on Assets *0.420.380.75
Operating Return on Assets *0.630.561.11
Return on Equity *3.573.427.03
Net Interest Margin *3.313.293.48
Fee Income / Assets *0.060.060.08
Overhead / Assets *2.512.412.39
Efficiency Ratio75.4571.7966.53
Asset Quality%%%
Nonperforming Assets / Assets2.081.161.69
Nonperforming Assets / Equity & Loss Reserves16.169.7515.10
Loss Reserves / Nonperforming Loans43.03101.6240.21
1-4 Fam Mtg + MBS / Assets73.4165.2567.06
Commercial Real Estate Loans / Assets1.682.002.92
Construction Loans / Assets0.100.130.10
Commercial & Industrial Loans / Assets5.713.752.46
Consumer Loans / Assets2.962.042.09
Capitalization%%%
Equity / Assets12.1811.2010.75
Tangible Capital / Tangible Assets12.1811.2010.75
Risk-based Capital Ratio22.2422.8321.67
Liquidity%%%
Loans / Deposits91.5382.4083.96
Non-Interest Bearing Deposits / Deposits0.880.370.79
Purchased Liabilities1.450.891.93

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