SAFE & SOUND® STAR RATINGS

Financial statement

AMORY FEDERAL SAVINGS AND LOAN ASSOCIATION
213 SECOND AVENUE NORTH
AMORY, Mississippi 38821

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 715975




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$97,429$96,796$99,510
Loans Receivable, Net69,35268,96468,245
Mortgage-Backed Securities9,0709,3600
Investments5,0945,0945,320
Deposits87,09486,72989,644
Borrowings000
Equity10,0379,9219,608
Net Interest Income7032,7622,757
Fee Income000
Overhead5331,9261,797
Net Operating Income85481961
Net Income55346712
Ratio Analysis Profitability%%%
Return on Assets *0.300.350.72
Operating Return on Assets *0.380.480.98
Return on Equity *2.973.517.61
Net Interest Margin *3.032.982.99
Fee Income / Assets *0.000.000.00
Overhead / Assets *2.011.931.83
Efficiency Ratio86.2572.6864.09
Asset Quality%%%
Nonperforming Assets / Assets2.312.463.17
Nonperforming Assets / Equity & Loss Reserves21.4522.5731.30
Loss Reserves / Nonperforming Loans37.0035.8625.91
1-4 Fam Mtg + MBS / Assets78.8979.5066.31
Commercial Real Estate Loans / Assets0.470.480.50
Construction Loans / Assets0.390.380.74
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.600.530.61
Capitalization%%%
Equity / Assets10.3010.259.66
Tangible Capital / Tangible Assets10.3010.259.66
Risk-based Capital Ratio23.1123.4122.08
Liquidity%%%
Loans / Deposits79.6379.5276.13
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities8.018.158.47

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