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SAFE & SOUND® STAR RATINGS

AMERICAN LOAN AND SAVINGS ASSOCIATION


HANNIBAL, Missouri 63401

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




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$4,935$5,626$5,936
Loans Receivable, Net3,4624,4124,820
Mortgage-Backed Securities000
Investments000
Deposits4,3364,8585,093
Borrowings000
Equity591760836
Net Interest Income169242238
Fee Income000
Overhead303293285
Net Operating Income-169-76-51
Net Income-169-76-32
Ratio Analysis Profitability%%%
Return on Assets *-3.20-1.32-0.55
Operating Return on Assets *-3.20-1.32-0.88
Return on Equity *-25.25-9.46-3.78
Net Interest Margin *3.894.864.62
Fee Income / Assets *0.000.000.00
Overhead / Assets *5.745.104.90
Efficiency Ratio222.79119.59118.75
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 / Assets63.4472.9373.48
Commercial Real Estate Loans / Assets7.296.818.96
Construction Loans / Assets0.000.120.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.080.110.17
Capitalization%%%
Equity / Assets11.9813.5114.08
Tangible Capital / Tangible Assets11.9813.5114.08
Risk-based Capital Ratio30.4830.7829.53
Liquidity%%%
Loans / Deposits79.8490.8294.64
Non-Interest Bearing Deposits / Deposits0.440.510.49
Purchased Liabilities0.000.000.00

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