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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 March 31, 2015
Federal Reserve System Identifier 713074




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$4,779$4,935$5,626
Loans Receivable, Net3,6723,4624,412
Mortgage-Backed Securities000
Investments000
Deposits4,2204,3364,858
Borrowings000
Equity548591760
Net Interest Income38169242
Fee Income000
Overhead80303293
Net Operating Income-43-169-76
Net Income-43-169-76
Ratio Analysis Profitability%%%
Return on Assets *-3.72-3.20-1.32
Operating Return on Assets *-3.72-3.20-1.32
Return on Equity *-30.56-25.25-9.46
Net Interest Margin *3.723.894.86
Fee Income / Assets *0.000.000.00
Overhead / Assets *6.135.745.10
Efficiency Ratio210.53222.79119.59
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 / Assets70.0163.4472.93
Commercial Real Estate Loans / Assets7.417.296.81
Construction Loans / Assets0.000.000.12
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.130.080.11
Capitalization%%%
Equity / Assets11.4711.9813.51
Tangible Capital / Tangible Assets11.4711.9813.51
Risk-based Capital Ratio26.1730.4830.78
Liquidity%%%
Loans / Deposits87.0179.8490.82
Non-Interest Bearing Deposits / Deposits0.640.440.51
Purchased Liabilities0.000.000.00

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