SAFE & SOUND® STAR RATINGS

Financial statement

AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION

CARIBOU, Maine 04736

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$95,930$99,827$100,458
Loans Receivable, Net73,02572,92775,034
Mortgage-Backed Securities2,47300
Investments8,57900
Deposits84,45588,50289,371
Borrowings000
Equity11,37311,18010,802
Net Interest Income1,5113,1033,284
Fee Income265675
Overhead1,1912,3742,348
Net Operating Income3105461,090
Net Income199377739
Ratio Analysis Profitability%%%
Return on Assets *0.480.380.75
Operating Return on Assets *0.700.561.11
Return on Equity *4.183.427.03
Net Interest Margin *3.223.293.48
Fee Income / Assets *0.050.060.08
Overhead / Assets *2.382.412.39
Efficiency Ratio76.4971.7966.53
Asset Quality%%%
Nonperforming Assets / Assets1.441.161.69
Nonperforming Assets / Equity & Loss Reserves11.499.7515.10
Loss Reserves / Nonperforming Loans63.65101.6240.21
1-4 Fam Mtg + MBS / Assets70.1365.2567.06
Commercial Real Estate Loans / Assets1.762.002.92
Construction Loans / Assets0.110.130.10
Commercial & Industrial Loans / Assets4.403.752.46
Consumer Loans / Assets2.212.042.09
Capitalization%%%
Equity / Assets11.8611.2010.75
Tangible Capital / Tangible Assets11.8611.2010.75
Risk-based Capital Ratio22.4822.8321.67
Liquidity%%%
Loans / Deposits86.4782.4083.96
Non-Interest Bearing Deposits / Deposits0.810.370.79
Purchased Liabilities0.470.891.93

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

Connect with us