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 December 31, 2013
Federal Reserve System Identifier 715975




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$96,796$99,510$97,100
Loans Receivable, Net68,96468,24567,557
Mortgage-Backed Securities9,36000
Investments5,0945,3206,320
Deposits86,72989,64488,074
Borrowings000
Equity9,9219,6088,895
Net Interest Income2,7622,7572,707
Fee Income0067
Overhead1,9261,7971,610
Net Operating Income481961840
Net Income346712-42
Ratio Analysis Profitability%%%
Return on Assets *0.350.720.46
Operating Return on Assets *0.480.980.91
Return on Equity *3.517.614.88
Net Interest Margin *2.982.992.99
Fee Income / Assets *0.000.000.07
Overhead / Assets *1.931.831.74
Efficiency Ratio72.6864.096588.00
Asset Quality%%%
Nonperforming Assets / Assets2.463.174.95
Nonperforming Assets / Equity & Loss Reserves22.5731.3051.56
Loss Reserves / Nonperforming Loans35.8625.910.62
1-4 Fam Mtg + MBS / Assets79.5066.3165.82
Commercial Real Estate Loans / Assets0.480.500.12
Construction Loans / Assets0.380.741.94
Commercial & Industrial Loans / Assets0.000.000.86
Consumer Loans / Assets0.530.610.87
Capitalization%%%
Equity / Assets10.259.669.16
Tangible Capital / Tangible Assets10.259.669.16
Risk-based Capital Ratio23.4122.0821.09
Liquidity%%%
Loans / Deposits79.5276.1376.70
Non-Interest Bearing Deposits / Deposits0.000.00n/a
Purchased Liabilities8.158.476.86

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