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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, 2016
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$106,860$108,320$95,245
Loans Receivable, Net86,57183,50376,429
Mortgage-Backed Securities3,8764,0293,328
Investments5,6098,6548,669
Deposits91,98394,60083,504
Borrowings2,5001,5000
Equity12,28112,10111,600
Net Interest Income7863,1533,063
Fee Income156059
Overhead6282,5452,434
Net Operating Income240698614
Net Income156490408
Ratio Analysis Profitability%%%
Return on Assets *0.490.480.42
Operating Return on Assets *0.700.690.63
Return on Equity *4.244.113.57
Net Interest Margin *3.083.183.31
Fee Income / Assets *0.060.060.06
Overhead / Assets *2.402.502.51
Efficiency Ratio75.3975.9575.45
Asset Quality%%%
Nonperforming Assets / Assets1.311.112.08
Nonperforming Assets / Equity & Loss Reserves10.879.4516.16
Loss Reserves / Nonperforming Loans58.0759.0343.03
1-4 Fam Mtg + MBS / Assets68.2968.0173.41
Commercial Real Estate Loans / Assets2.973.061.68
Construction Loans / Assets0.130.120.10
Commercial & Industrial Loans / Assets9.656.125.71
Consumer Loans / Assets3.513.392.96
Capitalization%%%
Equity / Assets11.4911.1712.18
Tangible Capital / Tangible Assets11.4911.1712.18
Risk-based Capital Ratio19.0819.4522.24
Liquidity%%%
Loans / Deposits94.1288.2791.53
Non-Interest Bearing Deposits / Deposits0.440.690.88
Purchased Liabilities7.275.901.45

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