SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN LOAN AND SAVINGS ASSOCIATION

HANNIBAL, Missouri 63401

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 713074




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$5,073$5,626$5,936
Loans Receivable, Net3,5044,4124,820
Mortgage-Backed Securities000
Investments000
Deposits4,4234,8585,093
Borrowings000
Equity635760836
Net Interest Income131242238
Fee Income000
Overhead221293285
Net Operating Income-125-76-51
Net Income-125-76-32
Ratio Analysis Profitability%%%
Return on Assets *-3.23-1.32-0.55
Operating Return on Assets *-3.23-1.32-0.88
Return on Equity *-24.32-9.46-3.78
Net Interest Margin *4.084.864.62
Fee Income / Assets *0.000.000.00
Overhead / Assets *5.515.104.90
Efficiency Ratio225.51119.59118.75
Asset Quality%%%
Nonperforming Assets / Assets0.002.405.86
Nonperforming Assets / Equity & Loss Reserves0.0015.9437.83
Loss Reserves / Nonperforming Loansn/a64.4425.38
1-4 Fam Mtg + MBS / Assets62.4172.9373.48
Commercial Real Estate Loans / Assets7.236.818.96
Construction Loans / Assets0.000.120.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.080.110.17
Capitalization%%%
Equity / Assets12.5213.5114.08
Tangible Capital / Tangible Assets12.5213.5114.08
Risk-based Capital Ratio32.2430.7829.53
Liquidity%%%
Loans / Deposits79.2290.8294.64
Non-Interest Bearing Deposits / Deposits0.840.510.49
Purchased Liabilities0.000.000.00

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

Connect with us