Aroostook County Federal Savings and Loan Association

Aroostook County Federal Savings and Loan Association is headquartered in Caribou and is the 24^th largest bank in the state of Maine. It is also the 4,980^th largest bank in the nation. It was established in 1936 and as of December of 2011, it had grown to 24 employees at 2 locations. Aroostook County Federal Savings and Loan Association's savings rates are 3X the national average, and it has a 3-star health rating.

Aroostook County Federal Savings and Loan Association Checking Account Rates

Aroostook County Federal Savings and Loan Association Savings Account Rates

Aroostook County Federal Savings and Loan Association Money Market Rates

Aroostook County Federal Savings and Loan Association CD Rates

Aroostook County Federal Savings and Loan Association IRA Rates

Data for Q4 2011

Institution Statistics Aroostook County Federal Savings and Loan Association OTS # 03995 FDIC Certificate # 29743 BankRate Report View Year Established 1936 Employees 24 Primary Regulator OCC Assets and Liabilities Assets $98.39 million Loans $77.92 million Deposits $88.18 million Equity Capital $10.01 million Loan Loss Allowance $754,000 Unbacked Noncurrent Loans $1.57 million Real Estate Owned $352,000 Historic Data - December 2010 Assets $98.09 million Equity Capital $9.60 million Loan Loss Allowance $547,000 Unbacked Noncurrent Loans $996,000 Real Estate Owned $349,000 Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.42% Return on Equity 4.17% Interest Income $4.51 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Aroostook County Federal Savings and Loan Association had $1.92 million in non-current loans and owned real-estate with $10.76 million in equity and loan loss allowances on hand to cover it. This gives Aroostook County Federal Savings and Loan Association a Texas Ratio of 17.88% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Aroostook County Federal Savings and Loan Association held steady from 13.26% as of December 31, 2010 to 17.88% as of December 31, 2011, resulting in a negative change of 34.87%. This indicates that the balance sheet and financial strength for Aroostook County Federal Savings and Loan Association has held steady in recent periods. Deposit Growth In the past year, Aroostook County Federal Savings and Loan Association has decreased its total deposits by $-174,000, resulting in -0.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Aroostook County Federal Savings and Loan Association has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Aroostook County Federal Savings and Loan Association has $98.39 million in assets with $10.76 million in equity, resulting in a capitalization level of 10.94%, which is above average.

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