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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 September 30, 2015
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$106,059$95,245$99,827
Loans Receivable, Net82,50176,42972,927
Mortgage-Backed Securities4,2363,3280
Investments7,6618,6690
Deposits92,43783,50488,502
Borrowings1,50000
Equity12,01211,60011,180
Net Interest Income2,3633,0633,103
Fee Income455956
Overhead1,8762,4342,374
Net Operating Income558614546
Net Income390408377
Ratio Analysis Profitability%%%
Return on Assets *0.490.420.38
Operating Return on Assets *0.690.630.56
Return on Equity *4.123.573.42
Net Interest Margin *3.283.313.29
Fee Income / Assets *0.060.060.06
Overhead / Assets *2.572.512.41
Efficiency Ratio74.6575.4571.79
Asset Quality%%%
Nonperforming Assets / Assets1.342.081.16
Nonperforming Assets / Equity & Loss Reserves11.1116.169.75
Loss Reserves / Nonperforming Loans61.2943.03101.62
1-4 Fam Mtg + MBS / Assets68.8073.4165.25
Commercial Real Estate Loans / Assets1.061.682.00
Construction Loans / Assets0.110.100.13
Commercial & Industrial Loans / Assets8.875.713.75
Consumer Loans / Assets3.332.962.04
Capitalization%%%
Equity / Assets11.3312.1811.20
Tangible Capital / Tangible Assets11.3312.1811.20
Risk-based Capital Ratio20.6122.2422.83
Liquidity%%%
Loans / Deposits89.2591.5382.40
Non-Interest Bearing Deposits / Deposits1.050.880.37
Purchased Liabilities5.991.450.89

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