Aroostook County Federal Savings and Loan Association in Caribou, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Aroostook County Federal Savings and Loan Association in Caribou, Maine (ME)
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Aroostook County Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29743
    Status: Active
    Federal Reserve ID: 351878
    Date Established: July 29, 1936
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3995
    FDIC's unique #: 42577
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: July 29, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 43 High St, Caribou, ME 4736
    County: Aroostook
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Concord
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $98.4 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $88.2 mil
    Return on assets (ROA): 0.42% ($0.4 mil)
    Quarterly return on assets: 0.50% ($0.5 mil)
    Return on Equity (ROE): 4.17% ($0.4 mil)
    Quarterly return on equity: 4.99% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.60% ($590.3 mil)
    Quarterly Pretax return on assets: 0.60% ($590.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $98,390Total assets
  • $17,703Cash and due from depository institutions
  • $14,095Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $77,924Net loans & leases
  • $754Loan loss allowance
  • $0Trading account assets
  • $993Bank premises and fixed assets
  • $352Other real estate owned
  • $0Goodwill and other intangibles
  • $98,390Life insurance assets
  • $1,418All other assets
  • $88,385Total liabilities and capital
  • $88,178Total liabilities
  • $87,769Total deposits
  • $88,178Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $207Subordinated debt
  • $10,005All other liabilities
  • $10,005Total equity capital
  • $10,005Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $10,005Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,572Income earned, not collected on loans
  • $0Earning assets
  • $193Long-term assets (5+ years)
  • $92,019Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $98,200Volatile liabilities
  • $98,498Insider loans
  • $52,069FHLB advances
  • $98,390Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,005Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,836Restructured Loans and leases
  • $386Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,507Total interest income
  • $1,288Total interest expense
  • $3,219Net interest income
  • $337Provision for loan and lease losses
  • $89Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $89Additional noninterest income
  • $2,382Total noninterest expense
  • $1,393Salaries and employee benefits
  • $371Premises and equipment expense
  • $618Additional noninterest expense
  • $589Pre-tax net operating income
  • $0Securities gains (losses)
  • $180Applicable income taxes
  • $409Income before extraordinary items
  • $0Extraordinary gains - net
  • $409Net income attributable to bank
  • $0Net charge-offs
  • $409Cash dividends
  • $131Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 4.17%Return on equity (ROE)
  • 4.17%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 257.25%Credit loss provision to net charge-offs
  • 7.07%Efficiency ratio
  • 72,007Assets per employee
  • 4.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 47.96%Noncurrent assets plus other real estate owned to assets
  • 1.96%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 88.37%Net loans and leases to core deposits
  • 91.53%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 10.17%Tier 1 risk-based capital ratio
  • 19.21%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $98,200Average earning assets
  • $9,802Average equity
  • $92,237Average loans

List of branches

  • 2 Maine Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042577Aroostook County Federal Savings And43 High St, Caribou, ME 4736July 29, 1936Full Service Brick and Mortar
    1277036364 Main Street Branch364 Main Street, Presque Isle, ME 4769July 29, 1936Full Service Brick and Mortar

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