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 June 30, 2014
Federal Reserve System Identifier 114774




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$57,257$55,963$45,918
Loans Receivable, Net48,61646,96337,839
Mortgage-Backed Securities242844
Investments000
Deposits42,23940,10832,699
Borrowings01,0000
Equity13,46713,33812,129
Net Interest Income9561,8681,779
Fee Income5671,953816
Overhead1,3602,4252,123
Net Operating Income3501,8431,309
Net Income2311,209856
Ratio Analysis Profitability%%%
Return on Assets *1.812.431.90
Operating Return on Assets *2.763.702.91
Return on Equity *7.209.407.23
Net Interest Margin *3.924.034.35
Fee Income / Assets *3.403.921.81
Overhead / Assets *5.004.874.71
Efficiency Ratio79.0256.5861.48
Asset Quality%%%
Nonperforming Assets / Assets3.224.824.51
Nonperforming Assets / Equity & Loss Reserves13.1419.4216.34
Loss Reserves / Nonperforming Loans33.0629.2327.57
1-4 Fam Mtg + MBS / Assets49.4651.6349.34
Commercial Real Estate Loans / Assets0.000.000.08
Construction Loans / Assets36.2933.1434.01
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.200.200.24
Capitalization%%%
Equity / Assets23.5223.8326.41
Tangible Capital / Tangible Assets17.7518.0421.35
Risk-based Capital Ratio30.9231.8134.46
Liquidity%%%
Loans / Deposits115.10117.09115.72
Non-Interest Bearing Deposits / Deposits6.607.417.44
Purchased Liabilities3.274.551.68

* Calculations are based on the latest four quarters of income and expense.
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