SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN LOAN AND SAVINGS ASSOCIATION

HANNIBAL, Missouri 63401

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 713074




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$5,398$5,626$5,936
Loans Receivable, Net3,5434,4124,820
Mortgage-Backed Securities000
Investments000
Deposits4,6754,8585,093
Borrowings000
Equity713760836
Net Interest Income93242238
Fee Income000
Overhead140293285
Net Operating Income-47-76-51
Net Income-47-76-32
Ratio Analysis Profitability%%%
Return on Assets *-1.97-1.32-0.55
Operating Return on Assets *-1.97-1.32-0.88
Return on Equity *-14.42-9.46-3.78
Net Interest Margin *4.474.864.62
Fee Income / Assets *0.000.000.00
Overhead / Assets *5.295.104.90
Efficiency Ratio148.94119.59118.75
Asset Quality%%%
Nonperforming Assets / Assets2.042.405.86
Nonperforming Assets / Equity & Loss Reserves14.7715.9437.83
Loss Reserves / Nonperforming Loansn/a64.4425.38
1-4 Fam Mtg + MBS / Assets59.2672.9373.48
Commercial Real Estate Loans / Assets6.896.818.96
Construction Loans / Assets0.000.120.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.070.110.17
Capitalization%%%
Equity / Assets13.2113.5114.08
Tangible Capital / Tangible Assets13.2113.5114.08
Risk-based Capital Ratio31.3630.7829.53
Liquidity%%%
Loans / Deposits75.7990.8294.64
Non-Interest Bearing Deposits / Deposits0.660.510.49
Purchased Liabilities0.000.000.00

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

Connect with us