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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, 2015
Federal Reserve System Identifier 114774




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$65,446$59,354$55,963
Loans Receivable, Net44,95650,81646,963
Mortgage-Backed Securities131928
Investments1,6976000
Deposits49,73844,10740,108
Borrowings001,000
Equity14,25413,68513,338
Net Interest Income1,8421,9361,868
Fee Income1,5621,0921,953
Overhead2,7332,7152,425
Net Operating Income9116981,843
Net Income5694491,209
Ratio Analysis Profitability%%%
Return on Assets *0.880.822.43
Operating Return on Assets *1.411.273.70
Return on Equity *4.043.329.40
Net Interest Margin *3.243.734.03
Fee Income / Assets *2.421.993.92
Overhead / Assets *4.244.944.87
Efficiency Ratio72.5578.9056.58
Asset Quality%%%
Nonperforming Assets / Assets3.153.254.82
Nonperforming Assets / Equity & Loss Reserves13.9113.5319.42
Loss Reserves / Nonperforming Loans29.2631.4629.23
1-4 Fam Mtg + MBS / Assets39.9551.0251.63
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets29.5135.4633.14
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.110.160.20
Capitalization%%%
Equity / Assets21.7823.0623.83
Tangible Capital / Tangible Assets17.9518.0418.04
Risk-based Capital Ratio38.4632.1331.81
Liquidity%%%
Loans / Deposits90.39115.21117.09
Non-Interest Bearing Deposits / Deposits2.764.557.41
Purchased Liabilities2.813.164.55

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