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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 March 31, 2015
Federal Reserve System Identifier 715975




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$94,848$94,113$96,796
Loans Receivable, Net67,38468,52268,964
Mortgage-Backed Securities07,8189,360
Investments4,9935,0945,094
Deposits84,69483,90686,729
Borrowings000
Equity10,02210,0609,921
Net Interest Income6742,8272,762
Fee Income000
Overhead5312,1801,926
Net Operating Income32-27481
Net Income2050346
Ratio Analysis Profitability%%%
Return on Assets *0.020.050.35
Operating Return on Assets *-0.08-0.030.48
Return on Equity *0.150.503.51
Net Interest Margin *3.203.122.98
Fee Income / Assets *0.000.000.00
Overhead / Assets *2.282.271.93
Efficiency Ratio85.1083.8572.68
Asset Quality%%%
Nonperforming Assets / Assets1.381.682.46
Nonperforming Assets / Equity & Loss Reserves12.3514.8522.57
Loss Reserves / Nonperforming Loans51.7546.7435.86
1-4 Fam Mtg + MBS / Assets69.5579.6679.50
Commercial Real Estate Loans / Assets0.540.540.48
Construction Loans / Assets0.280.310.38
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.600.610.53
Capitalization%%%
Equity / Assets10.5710.6910.25
Tangible Capital / Tangible Assets10.5710.6910.25
Risk-based Capital Ratio23.4624.2523.41
Liquidity%%%
Loans / Deposits79.5681.6779.52
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities8.688.258.15

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