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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, 2014
Federal Reserve System Identifier 114774




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$59,354$55,963$45,918
Loans Receivable, Net50,81646,96337,839
Mortgage-Backed Securities192844
Investments60000
Deposits44,10740,10832,699
Borrowings01,0000
Equity13,68513,33812,129
Net Interest Income1,9361,8681,779
Fee Income1,0921,953816
Overhead2,7152,4252,123
Net Operating Income6981,8431,309
Net Income4491,209856
Ratio Analysis Profitability%%%
Return on Assets *0.822.431.90
Operating Return on Assets *1.273.702.91
Return on Equity *3.329.407.23
Net Interest Margin *3.734.034.35
Fee Income / Assets *1.993.921.81
Overhead / Assets *4.944.874.71
Efficiency Ratio78.9056.5861.48
Asset Quality%%%
Nonperforming Assets / Assets3.254.824.51
Nonperforming Assets / Equity & Loss Reserves13.5319.4216.34
Loss Reserves / Nonperforming Loans31.4629.2327.57
1-4 Fam Mtg + MBS / Assets51.0251.6349.34
Commercial Real Estate Loans / Assets0.000.000.08
Construction Loans / Assets35.4633.1434.01
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.160.200.24
Capitalization%%%
Equity / Assets23.0623.8326.41
Tangible Capital / Tangible Assets18.0418.0421.35
Risk-based Capital Ratio32.1331.8134.46
Liquidity%%%
Loans / Deposits115.21117.09115.72
Non-Interest Bearing Deposits / Deposits4.557.417.44
Purchased Liabilities3.164.551.68

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