SAFE & SOUND® STAR RATINGS

Financial statement

AMORY FEDERAL SAVINGS AND LOAN ASSOCIATION

AMORY, Mississippi 38821

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




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$97,099$96,796$99,510
Loans Receivable, Net69,88868,96468,245
Mortgage-Backed Securities8,6999,3600
Investments5,0945,0945,320
Deposits86,59386,72989,644
Borrowings000
Equity10,1909,9219,608
Net Interest Income1,4282,7622,757
Fee Income000
Overhead1,0111,9261,797
Net Operating Income295481961
Net Income176346712
Ratio Analysis Profitability%%%
Return on Assets *0.330.350.72
Operating Return on Assets *0.430.480.98
Return on Equity *3.203.517.61
Net Interest Margin *3.092.982.99
Fee Income / Assets *0.000.000.00
Overhead / Assets *2.091.931.83
Efficiency Ratio77.4172.6864.09
Asset Quality%%%
Nonperforming Assets / Assets1.912.463.17
Nonperforming Assets / Equity & Loss Reserves17.4622.5731.30
Loss Reserves / Nonperforming Loans33.9235.8625.91
1-4 Fam Mtg + MBS / Assets79.2979.5066.31
Commercial Real Estate Loans / Assets0.530.480.50
Construction Loans / Assets0.370.380.74
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.580.530.61
Capitalization%%%
Equity / Assets10.4910.259.66
Tangible Capital / Tangible Assets10.4910.259.66
Risk-based Capital Ratio23.5223.4122.08
Liquidity%%%
Loans / Deposits80.7179.5276.13
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities8.248.158.47

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