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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 December 31, 2014
Federal Reserve System Identifier 715975




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$94,113$96,796$99,510
Loans Receivable, Net68,52268,96468,245
Mortgage-Backed Securities7,8189,3600
Investments5,0945,0945,320
Deposits83,90686,72989,644
Borrowings000
Equity10,0609,9219,608
Net Interest Income2,8272,7622,757
Fee Income000
Overhead2,1801,9261,797
Net Operating Income-27481961
Net Income50346712
Ratio Analysis Profitability%%%
Return on Assets *0.050.350.72
Operating Return on Assets *-0.030.480.98
Return on Equity *0.503.517.61
Net Interest Margin *3.122.982.99
Fee Income / Assets *0.000.000.00
Overhead / Assets *2.271.931.83
Efficiency Ratio83.8572.6864.09
Asset Quality%%%
Nonperforming Assets / Assets1.682.463.17
Nonperforming Assets / Equity & Loss Reserves14.8522.5731.30
Loss Reserves / Nonperforming Loans46.7435.8625.91
1-4 Fam Mtg + MBS / Assets79.6679.5066.31
Commercial Real Estate Loans / Assets0.540.480.50
Construction Loans / Assets0.310.380.74
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.610.530.61
Capitalization%%%
Equity / Assets10.6910.259.66
Tangible Capital / Tangible Assets10.6910.259.66
Risk-based Capital Ratio24.2523.4122.08
Liquidity%%%
Loans / Deposits81.6779.5276.13
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities8.258.158.47

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