SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN LOAN AND SAVINGS ASSOCIATION
105 NORTH MAPLE AVENUE
HANNIBAL, Missouri 63401

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 713074




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$5,423$5,626$5,936
Loans Receivable, Net4,3584,4124,820
Mortgage-Backed Securities000
Investments000
Deposits4,6754,8585,093
Borrowings000
Equity738760836
Net Interest Income49242238
Fee Income000
Overhead70293285
Net Operating Income-22-76-51
Net Income-22-76-32
Ratio Analysis Profitability%%%
Return on Assets *-1.45-1.32-0.55
Operating Return on Assets *-1.45-1.32-0.88
Return on Equity *-10.47-9.46-3.78
Net Interest Margin *4.844.864.62
Fee Income / Assets *0.000.000.00
Overhead / Assets *5.195.104.90
Efficiency Ratio142.86119.59118.75
Asset Quality%%%
Nonperforming Assets / Assets1.492.405.86
Nonperforming Assets / Equity & Loss Reserves10.5215.9437.83
Loss Reserves / Nonperforming Loans39.5164.4425.38
1-4 Fam Mtg + MBS / Assets73.7872.9373.48
Commercial Real Estate Loans / Assets6.976.818.96
Construction Loans / Assets0.110.120.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.090.110.17
Capitalization%%%
Equity / Assets13.6113.5114.08
Tangible Capital / Tangible Assets13.6113.5114.08
Risk-based Capital Ratio30.2030.7829.53
Liquidity%%%
Loans / Deposits93.2290.8294.64
Non-Interest Bearing Deposits / Deposits0.730.510.49
Purchased Liabilities0.000.000.00

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