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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 September 30, 2015
Federal Reserve System Identifier 114774




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$65,331$59,354$55,963
Loans Receivable, Net45,68650,81646,963
Mortgage-Backed Securities141928
Investments1,0996000
Deposits49,57144,10740,108
Borrowings001,000
Equity14,19713,68513,338
Net Interest Income1,4141,9361,868
Fee Income1,0851,0921,953
Overhead1,9442,7152,425
Net Operating Income7986981,843
Net Income5124491,209
Ratio Analysis Profitability%%%
Return on Assets *0.920.822.43
Operating Return on Assets *1.461.273.70
Return on Equity *4.073.329.40
Net Interest Margin *3.433.734.03
Fee Income / Assets *2.121.993.92
Overhead / Assets *4.274.944.87
Efficiency Ratio69.8078.9056.58
Asset Quality%%%
Nonperforming Assets / Assets3.363.254.82
Nonperforming Assets / Equity & Loss Reserves14.8813.5319.42
Loss Reserves / Nonperforming Loans27.3931.4629.23
1-4 Fam Mtg + MBS / Assets38.2951.0251.63
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets32.4135.4633.14
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.120.160.20
Capitalization%%%
Equity / Assets21.7323.0623.83
Tangible Capital / Tangible Assets16.9818.0418.04
Risk-based Capital Ratio29.1832.1331.81
Liquidity%%%
Loans / Deposits92.16115.21117.09
Non-Interest Bearing Deposits / Deposits5.514.557.41
Purchased Liabilities2.823.164.55

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