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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 March 31, 2016
Federal Reserve System Identifier 715975




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$89,794$90,413$94,113
Loans Receivable, Net65,79966,30668,522
Mortgage-Backed Securities007,818
Investments4,4694,5735,094
Deposits79,26979,97683,906
Borrowings000
Equity10,38310,33010,060
Net Interest Income6242,6242,827
Fee Income000
Overhead5041,9862,180
Net Operating Income86435-27
Net Income5332850
Ratio Analysis Profitability%%%
Return on Assets *0.390.350.05
Operating Return on Assets *0.530.47-0.03
Return on Equity *3.513.220.50
Net Interest Margin *3.013.123.12
Fee Income / Assets *0.000.000.00
Overhead / Assets *2.132.132.27
Efficiency Ratio77.6676.8983.85
Asset Quality%%%
Nonperforming Assets / Assets1.611.541.68
Nonperforming Assets / Equity & Loss Reserves13.2312.7314.85
Loss Reserves / Nonperforming Loans43.2648.7246.74
1-4 Fam Mtg + MBS / Assets71.8472.0279.66
Commercial Real Estate Loans / Assets0.490.500.54
Construction Loans / Assets0.240.250.31
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.600.550.61
Capitalization%%%
Equity / Assets11.5611.4310.69
Tangible Capital / Tangible Assets11.5611.4310.69
Risk-based Capital Ratio25.3925.1324.25
Liquidity%%%
Loans / Deposits83.0182.9181.67
Non-Interest Bearing Deposits / Deposits0.000.000.00
Purchased Liabilities7.438.108.25

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