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SAFE & SOUND® STAR RATINGS

AMERICAN LOAN AND SAVINGS ASSOCIATION


HANNIBAL, Missouri 63401

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 713074




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$4,420$4,935$5,626
Loans Receivable, Net3,5683,4624,412
Mortgage-Backed Securities000
Investments000
Deposits3,9474,3364,858
Borrowings000
Equity466591760
Net Interest Income152169242
Fee Income000
Overhead274303293
Net Operating Income-125-169-76
Net Income-125-169-76
Ratio Analysis Profitability%%%
Return on Assets *-2.68-3.20-1.32
Operating Return on Assets *-2.68-3.20-1.32
Return on Equity *-24.58-25.25-9.46
Net Interest Margin *3.683.894.86
Fee Income / Assets *0.000.000.00
Overhead / Assets *5.885.745.10
Efficiency Ratio180.26222.79119.59
Asset Quality%%%
Nonperforming Assets / Assets0.000.002.40
Nonperforming Assets / Equity & Loss Reserves0.000.0015.94
Loss Reserves / Nonperforming Loansn/an/a64.44
1-4 Fam Mtg + MBS / Assets72.4963.4472.93
Commercial Real Estate Loans / Assets7.607.296.81
Construction Loans / Assets1.290.000.12
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.160.080.11
Capitalization%%%
Equity / Assets10.5411.9813.51
Tangible Capital / Tangible Assets10.5411.9813.51
Risk-based Capital Ratio22.6130.4830.78
Liquidity%%%
Loans / Deposits90.4079.8490.82
Non-Interest Bearing Deposits / Deposits0.350.440.51
Purchased Liabilities0.000.000.00

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