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SAFE & SOUND® STAR RATINGS

Financial statement

ABBEVILLE SAVINGS AND LOAN, SSB
205 SOUTH MAIN STREET
ABBEVILLE, South Carolina 29620

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2012
12 months
Total Assets$71,423
Loans Receivable, Net34,888
Mortgage-Backed Securities13,239
Investments13,563
Deposits53,520
Borrowings10,600
Equity6,848
Net Interest Income2,290
Fee Income65
Overhead1,978
Net Operating Income415
Net Income414
Ratio Analysis Profitability%
Return on Assets *0.55
Operating Return on Assets *0.55
Return on Equity *6.32
Net Interest Margin *3.39
Fee Income / Assets *0.09
Overhead / Assets *2.62
Efficiency Ratio86.45
Asset Quality%
Nonperforming Assets / Assets3.64
Nonperforming Assets / Equity & Loss Reserves34.25
Loss Reserves / Nonperforming Loans47.47
1-4 Fam Mtg + MBS / Assets57.48
Commercial Real Estate Loans / Assets8.71
Construction Loans / Assets1.09
Commercial & Industrial Loans / Assets0.09
Consumer Loans / Assets1.04
Capitalization%
Equity / Assets9.59
Tangible Capital / Tangible Assets9.59
Risk-based Capital Ratio18.96
Liquidity%
Loans / Deposits65.19
Non-Interest Bearing Deposits / Deposits3.05
Purchased Liabilities19.01

* Calculations are based on the latest four quarters of income and expense.
Rating is for the quarter ending 12-31-2012; amended filings not reflected
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About this index
CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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