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SAFE & SOUND® STAR RATINGS

AMORY FEDERAL SAVINGS AND LOAN ASSOCIATION


AMORY, Mississippi 38821

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 715975




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$95,555$96,796$99,510
Loans Receivable, Net69,96968,96468,245
Mortgage-Backed Securities8,2169,3600
Investments5,0945,0945,320
Deposits85,28786,72989,644
Borrowings000
Equity10,1109,9219,608
Net Interest Income2,1332,7622,757
Fee Income000
Overhead1,6181,9261,797
Net Operating Income83481961
Net Income119346712
Ratio Analysis Profitability%%%
Return on Assets *0.070.350.72
Operating Return on Assets *0.050.480.98
Return on Equity *0.643.517.61
Net Interest Margin *3.002.982.99
Fee Income / Assets *0.000.000.00
Overhead / Assets *2.271.931.83
Efficiency Ratio84.8072.6864.09
Asset Quality%%%
Nonperforming Assets / Assets1.782.463.17
Nonperforming Assets / Equity & Loss Reserves15.9722.5731.30
Loss Reserves / Nonperforming Loans39.0435.8625.91
1-4 Fam Mtg + MBS / Assets80.1379.5066.31
Commercial Real Estate Loans / Assets0.540.480.50
Construction Loans / Assets0.460.380.74
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.630.530.61
Capitalization%%%
Equity / Assets10.5810.259.66
Tangible Capital / Tangible Assets10.5810.259.66
Risk-based Capital Ratio23.8323.4122.08
Liquidity%%%
Loans / Deposits82.0479.5276.13
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities8.378.158.47

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