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SAFE & SOUND® STAR RATINGS

Financial statement

ABBEVILLE BUILDING AND LOAN, A STATE CHARTERED SAVINGS BANK
1212 CHARITY STREET
ABBEVILLE, Louisiana 70510

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 114774




Financial summary ($ in Thousands)
2012
12 months
Total Assets$45,918
Loans Receivable, Net37,839
Mortgage-Backed Securities44
Investments0
Deposits32,699
Borrowings0
Equity12,129
Net Interest Income1,779
Fee Income816
Overhead2,123
Net Operating Income1,309
Net Income856
Ratio Analysis Profitability%
Return on Assets *1.90
Operating Return on Assets *2.91
Return on Equity *7.23
Net Interest Margin *4.35
Fee Income / Assets *1.81
Overhead / Assets *4.71
Efficiency Ratio61.48
Asset Quality%
Nonperforming Assets / Assets4.51
Nonperforming Assets / Equity & Loss Reserves16.34
Loss Reserves / Nonperforming Loans27.57
1-4 Fam Mtg + MBS / Assets49.34
Commercial Real Estate Loans / Assets0.08
Construction Loans / Assets34.01
Commercial & Industrial Loans / Assets0.00
Consumer Loans / Assets0.24
Capitalization%
Equity / Assets26.41
Tangible Capital / Tangible Assets21.35
Risk-based Capital Ratio34.46
Liquidity%
Loans / Deposits115.72
Non-Interest Bearing Deposits / Deposits7.44
Purchased Liabilities1.68

* Calculations are based on the latest four quarters of income and expense.
Rating is for the quarter ending 12-31-2012; amended filings not reflected
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About this index
CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.65% 0.65%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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