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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 713074




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$5,936$6,089$6,272
Loans Receivable, Net4,8204,4834,905
Mortgage-Backed Securities000
Investments011
Deposits5,0935,1895,328
Borrowings000
Equity836865905
Net Interest Income238230236
Fee Income035
Overhead285270212
Net Operating Income-51-39-22
Net Income-32-110
Ratio Analysis Profitability%%%
Return on Assets *-0.55-0.63-0.35
Operating Return on Assets *-0.88-0.63-0.35
Return on Equity *-3.78-4.43-2.40
Net Interest Margin *4.624.204.16
Fee Income / Assets *0.000.050.08
Overhead / Assets *4.904.353.38
Efficiency Ratio118.751183310333
Asset Quality%%%
Nonperforming Assets / Assets5.860.432.60
Nonperforming Assets / Equity & Loss Reserves37.832.7216.25
Loss Reserves / Nonperforming Loans25.382.032.00
1-4 Fam Mtg + MBS / Assets73.4865.1769.71
Commercial Real Estate Loans / Assets8.969.119.15
Construction Loans / Assets0.000.000.35
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.170.510.22
Capitalization%%%
Equity / Assets14.0814.2114.43
Tangible Capital / Tangible Assets14.0814.2114.43
Risk-based Capital Ratio29.5330.9128.77
Liquidity%%%
Loans / Deposits94.6486.3992.06
Non-Interest Bearing Deposits / Deposits0.49n/an/a
Purchased Liabilities0.001.641.63

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.65% 0.65%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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