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SAFE & SOUND® STAR RATINGS

AMERICAN LOAN AND SAVINGS ASSOCIATION


HANNIBAL, Missouri 63401

STAR RATING: 1 star
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 713074




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$4,373$4,420$4,935
Loans Receivable, Net3,2203,5683,462
Mortgage-Backed Securities000
Investments000
Deposits3,9723,9474,336
Borrowings000
Equity393466591
Net Interest Income31152169
Fee Income000
Overhead87274303
Net Operating Income-56-125-169
Net Income-72-125-169
Ratio Analysis Profitability%%%
Return on Assets *-3.37-2.68-3.20
Operating Return on Assets *-3.02-2.68-3.20
Return on Equity *-32.78-24.58-25.25
Net Interest Margin *3.633.683.89
Fee Income / Assets *0.000.000.00
Overhead / Assets *6.145.885.74
Efficiency Ratio280.65180.26222.79
Asset Quality%%%
Nonperforming Assets / Assets2.650.000.00
Nonperforming Assets / Equity & Loss Reserves27.040.000.00
Loss Reserves / Nonperforming Loans31.03n/an/a
1-4 Fam Mtg + MBS / Assets65.5272.4963.44
Commercial Real Estate Loans / Assets7.507.607.29
Construction Loans / Assets1.281.290.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.160.160.08
Capitalization%%%
Equity / Assets8.9910.5411.98
Tangible Capital / Tangible Assets8.9910.5411.98
Risk-based Capital Ratio23.4222.6130.48
Liquidity%%%
Loans / Deposits81.0790.4079.84
Non-Interest Bearing Deposits / Deposits0.580.350.44
Purchased Liabilities0.000.000.00

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