Auburn Savings Bank, FSB

Auburn Savings Bank, FSB is headquartered in Auburn and is the 26^th largest bank in the state of Maine. It is also the 5,545^th largest bank in the nation. It was established in 1887 and as of December of 2011, it had grown to 17 employees at 2 locations. Auburn Savings Bank, FSB's savings rates are 92% higher than the national average, but it has a 2-star health rating.

Auburn Savings Bank, FSB Checking Account Rates

Auburn Savings Bank, FSB Savings Account Rates

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Auburn Savings Bank, FSB IRA Rates

Data for Q4 2011

Institution Statistics Auburn Savings Bank, FSB OTS # 01305 FDIC Certificate # 28288 BankRate Report View Year Established 1887 Employees 17 Primary Regulator OCC Assets and Liabilities Assets $77.83 million Loans $64.37 million Deposits $53.90 million Equity Capital $5.83 million Loan Loss Allowance $688,000 Unbacked Noncurrent Loans $1.51 million Real Estate Owned $650,000 Historic Data - December 2010 Assets $80.51 million Equity Capital $5.98 million Loan Loss Allowance $644,000 Unbacked Noncurrent Loans $715,000 Real Estate Owned $572,000 Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets -0.01% Return on Equity -0.18% Interest Income $4.00 million

Institution Health Overall Score: 2 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 Auburn Savings Bank, FSB had $2.16 million in non-current loans and owned real-estate with $6.52 million in equity and loan loss allowances on hand to cover it. This gives Auburn Savings Bank, FSB a Texas Ratio of 33.13% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Auburn Savings Bank, FSB increased slightly from 19.44% as of December 31, 2010 to 33.13% as of December 31, 2011, resulting in a negative change of 70.43%. This indicates that the balance sheet and financial strength for Auburn Savings Bank, FSB has declined slightly in recent periods. Deposit Growth In the past year, Auburn Savings Bank, FSB has decreased its total deposits by $-402,000, resulting in -0.74% 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 Auburn Savings Bank, FSB 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. Auburn Savings Bank, FSB has $77.83 million in assets with $6.52 million in equity, resulting in a capitalization level of 8.38%, which is average.

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