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 + (improve)
As of March 31, 2014
Federal Reserve System Identifier 114774




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$58,762$55,963$45,918
Loans Receivable, Net47,65646,96337,839
Mortgage-Backed Securities262844
Investments000
Deposits42,70240,10832,699
Borrowings1,0001,0000
Equity13,35613,33812,129
Net Interest Income4741,8681,779
Fee Income3041,953816
Overhead6582,4252,123
Net Operating Income1821,8431,309
Net Income1201,209856
Ratio Analysis Profitability%%%
Return on Assets *2.302.431.90
Operating Return on Assets *3.513.702.91
Return on Equity *9.009.407.23
Net Interest Margin *4.024.034.35
Fee Income / Assets *3.823.921.81
Overhead / Assets *4.954.874.71
Efficiency Ratio77.3256.5861.48
Asset Quality%%%
Nonperforming Assets / Assets3.354.824.51
Nonperforming Assets / Equity & Loss Reserves14.1319.4216.34
Loss Reserves / Nonperforming Loans39.8729.2327.57
1-4 Fam Mtg + MBS / Assets48.4851.6349.34
Commercial Real Estate Loans / Assets0.000.000.08
Construction Loans / Assets33.4533.1434.01
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.190.200.24
Capitalization%%%
Equity / Assets22.7323.8326.41
Tangible Capital / Tangible Assets17.0618.0421.35
Risk-based Capital Ratio29.7831.8134.46
Liquidity%%%
Loans / Deposits111.60117.09115.72
Non-Interest Bearing Deposits / Deposits9.307.417.44
Purchased Liabilities4.944.551.68

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