SAFE & SOUND® STAR RATINGS

Financial statement

AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION
43 HIGH STREET
CARIBOU, Maine 04736

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 351878




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$97,565$99,827$100,458
Loans Receivable, Net72,73872,92775,034
Mortgage-Backed Securities2,53100
Investments2,39100
Deposits86,15688,50289,371
Borrowings000
Equity11,31611,18010,802
Net Interest Income7543,1033,284
Fee Income135675
Overhead5522,3742,348
Net Operating Income2355461,090
Net Income152377739
Ratio Analysis Profitability%%%
Return on Assets *0.440.380.75
Operating Return on Assets *0.640.561.11
Return on Equity *3.883.427.03
Net Interest Margin *3.233.293.48
Fee Income / Assets *0.060.060.08
Overhead / Assets *2.372.412.39
Efficiency Ratio69.3571.7966.53
Asset Quality%%%
Nonperforming Assets / Assets1.131.161.69
Nonperforming Assets / Equity & Loss Reserves9.149.7515.10
Loss Reserves / Nonperforming Loans110.37101.6240.21
1-4 Fam Mtg + MBS / Assets68.7465.2567.06
Commercial Real Estate Loans / Assets1.972.002.92
Construction Loans / Assets0.130.130.10
Commercial & Industrial Loans / Assets4.353.752.46
Consumer Loans / Assets2.092.042.09
Capitalization%%%
Equity / Assets11.6011.2010.75
Tangible Capital / Tangible Assets11.6011.2010.75
Risk-based Capital Ratio23.3722.8321.67
Liquidity%%%
Loans / Deposits84.4382.4083.96
Non-Interest Bearing Deposits / Deposits1.080.370.79
Purchased Liabilities0.460.891.93

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