Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 8.0. A current level of 5.1 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Home mtgs (54%), securities (12%), comm re (6%), home eq lns (5%), comm loans (4%), cash (4%), consumer loans (3%), other (11%)
States with Branches:
ME
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Auburn Bancorp, MHC
Investment Rating
--
Address
256 Court Street
Auburn, ME 04210
Auburn, ME 04210
Phone Number
(207) 782-6871
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.