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SAFE & SOUND® STAR RATINGS

AMORY FEDERAL SAVINGS AND LOAN ASSOCIATION


AMORY, Mississippi 38821

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 715975




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$90,413$94,113$96,796
Loans Receivable, Net66,30668,52268,964
Mortgage-Backed Securities07,8189,360
Investments4,5735,0945,094
Deposits79,97683,90686,729
Borrowings000
Equity10,33010,0609,921
Net Interest Income2,6242,8272,762
Fee Income000
Overhead1,9862,1801,926
Net Operating Income435-27481
Net Income32850346
Ratio Analysis Profitability%%%
Return on Assets *0.350.050.35
Operating Return on Assets *0.47-0.030.48
Return on Equity *3.220.503.51
Net Interest Margin *3.123.122.98
Fee Income / Assets *0.000.000.00
Overhead / Assets *2.132.271.93
Efficiency Ratio76.8983.8572.68
Asset Quality%%%
Nonperforming Assets / Assets1.541.682.46
Nonperforming Assets / Equity & Loss Reserves12.7314.8522.57
Loss Reserves / Nonperforming Loans48.7246.7435.86
1-4 Fam Mtg + MBS / Assets72.0279.6679.50
Commercial Real Estate Loans / Assets0.500.540.48
Construction Loans / Assets0.250.310.38
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.550.610.53
Capitalization%%%
Equity / Assets11.4310.6910.25
Tangible Capital / Tangible Assets11.4310.6910.25
Risk-based Capital Ratio25.1324.2523.41
Liquidity%%%
Loans / Deposits82.9181.6779.52
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities8.108.258.15

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