Auburn Savings Bank, FSB in Auburn, Maine (ME)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Auburn Savings Bank, FSB in Auburn, Maine (ME)
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Auburn Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 28288
    Status: Active
    Federal Reserve ID: 229173
    Date Established: January 01, 1887
    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 #: 1305
    FDIC's unique #: 41122
    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: January 17, 1951
    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: 256 Court St, Auburn, ME 4210
    County: Androscoggin
    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
    Metropolitan Statistical Area (MSA): Lewiston-Auburn, ME (#4240)
    Combined Statistical Area (CSA): Portland-Lewiston-South Portland, ME (#438)
    Core Based Statistical Area (CBSA): Lewiston-Auburn, ME (#30340)
    CBSA Metro Statistical Area: Lewiston-Auburn, ME (#30340)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $77.8 mil
    Equity capital: $5.8 mil
    Deposits held in domestic offices: $53.9 mil
    Return on assets (ROA): -0.01% (-$0.0 mil)
    Quarterly return on assets: -0.40% (-$0.3 mil)
    Return on Equity (ROE): -0.18% (-$0.0 mil)
    Quarterly return on equity: -5.26% (-$0.3 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.08% (-$62.3 mil)
    Quarterly Pretax return on assets: -0.63% (-$490.3 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
  • 17Total employees (full-time equivalent)
  • $77,832Total assets
  • $2,481Cash and due from depository institutions
  • $528Interest-bearing balances
  • $6,556Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,369Net loans & leases
  • $688Loan loss allowance
  • $0Trading account assets
  • $1,768Bank premises and fixed assets
  • $650Other real estate owned
  • $65Goodwill and other intangibles
  • $77,831Life insurance assets
  • $1,943All other assets
  • $71,997Total liabilities and capital
  • $53,900Total liabilities
  • $51,460Total deposits
  • $53,900Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,810Trading liabilities
  • $0Other borrowed funds
  • $287Subordinated debt
  • $5,834All other liabilities
  • $5,834Total equity capital
  • $5,834Total bank equity capital
  • $0Perpetual preferred stock
  • $873Common stock
  • $0Surplus
  • $4,961Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,511Income earned, not collected on loans
  • $0Earning assets
  • $283Long-term assets (5+ years)
  • $71,453Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $79,515Volatile liabilities
  • $78,256Insider loans
  • $47,672FHLB advances
  • $77,851Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,481Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,971Restructured Loans and leases
  • $629Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,999Total interest income
  • $1,252Total interest expense
  • $2,747Net interest income
  • $321Provision for loan and lease losses
  • $160Total noninterest income
  • $0Fiduciary activities
  • $1Service charges on deposit accounts
  • $0Trading account gains & fees
  • $159Additional noninterest income
  • $2,693Total noninterest expense
  • $1,058Salaries and employee benefits
  • $392Premises and equipment expense
  • $1,243Additional noninterest expense
  • -$107Pre-tax net operating income
  • $46Securities gains (losses)
  • -$50Applicable income taxes
  • -$11Income before extraordinary items
  • $0Extraordinary gains - net
  • -$11Net income attributable to bank
  • $0Net charge-offs
  • -$11Cash dividends
  • $234Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 1.72%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 3.69%Noninterest expense to earning assets
  • -0.05%Net operating income to assets
  • -0.01%Return on assets (ROA)
  • -0.08%Pretax return on assets
  • -0.18%Return on equity (ROE)
  • -0.18%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 137.18%Credit loss provision to net charge-offs
  • 0.91%Efficiency ratio
  • 92,638Assets per employee
  • 4.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 45.53%Noncurrent assets plus other real estate owned to assets
  • 2.78%Noncurrent loans to loans
  • 2.32%Net loans and leases to deposits
  • 119.42%Net loans and leases to core deposits
  • 124.03%Equity capital to assets
  • 7.50%Core capital (leverage) ratio
  • 7.52%Tier 1 risk-based capital ratio
  • 11.50%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $79,515Average earning assets
  • $5,946Average equity
  • $72,997Average loans

List of branches

  • 2 Maine Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041122Auburn Savings Bank, Fsb256 Court St, Auburn, ME 4210January 01, 1887Full Service Brick and Mortar
    1495246Lewiston Branch325 Sabattus Street, Lewiston, ME 4240November 22, 2004Full Service Brick and Mortar

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