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 December 31, 2013
Federal Reserve System Identifier 713074




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$5,626$5,936$6,089
Loans Receivable, Net4,4124,8204,483
Mortgage-Backed Securities000
Investments001
Deposits4,8585,0935,189
Borrowings000
Equity760836865
Net Interest Income242238230
Fee Income003
Overhead293285270
Net Operating Income-76-51-39
Net Income-76-32-11
Ratio Analysis Profitability%%%
Return on Assets *-1.32-0.55-0.63
Operating Return on Assets *-1.32-0.88-0.63
Return on Equity *-9.46-3.78-4.43
Net Interest Margin *4.864.624.20
Fee Income / Assets *0.000.000.05
Overhead / Assets *5.104.904.35
Efficiency Ratio119.59118.7511833.00
Asset Quality%%%
Nonperforming Assets / Assets2.405.860.43
Nonperforming Assets / Equity & Loss Reserves15.9437.832.72
Loss Reserves / Nonperforming Loans64.4425.382.03
1-4 Fam Mtg + MBS / Assets72.9373.4865.17
Commercial Real Estate Loans / Assets6.818.969.11
Construction Loans / Assets0.120.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.110.170.51
Capitalization%%%
Equity / Assets13.5114.0814.21
Tangible Capital / Tangible Assets13.5114.0814.21
Risk-based Capital Ratio30.7829.5330.91
Liquidity%%%
Loans / Deposits90.8294.6486.39
Non-Interest Bearing Deposits / Deposits0.510.49n/a
Purchased Liabilities0.000.001.64

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