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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 715975




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$99,510$97,100$87,440
Loans Receivable, Net68,24567,55763,436
Mortgage-Backed Securities000
Investments5,3206,3200
Deposits89,64488,07478,976
Borrowings000
Equity9,6088,8958,377
Net Interest Income2,7572,7072,140
Fee Income06751
Overhead1,7971,6101,301
Net Operating Income961840729
Net Income712-42102
Ratio Analysis Profitability%%%
Return on Assets *0.720.460.55
Operating Return on Assets *0.980.910.93
Return on Equity *7.614.885.22
Net Interest Margin *2.992.992.78
Fee Income / Assets *0.000.070.06
Overhead / Assets *1.831.741.67
Efficiency Ratio64.0965886472
Asset Quality%%%
Nonperforming Assets / Assets3.174.953.47
Nonperforming Assets / Equity & Loss Reserves31.3051.5635.34
Loss Reserves / Nonperforming Loans25.910.620.33
1-4 Fam Mtg + MBS / Assets66.3165.8269.25
Commercial Real Estate Loans / Assets0.500.120.15
Construction Loans / Assets0.741.941.78
Commercial & Industrial Loans / Assets0.000.860.00
Consumer Loans / Assets0.610.871.14
Capitalization%%%
Equity / Assets9.669.169.58
Tangible Capital / Tangible Assets9.669.169.58
Risk-based Capital Ratio22.0821.0920.98
Liquidity%%%
Loans / Deposits76.1376.7080.32
Non-Interest Bearing Deposits / Deposits0.00n/an/a
Purchased Liabilities8.476.8630.90

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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