FDIC Certificate #: 30950 Status: Active Federal Reserve ID: 713074 Date Established: January 01, 1909 Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 6160 FDIC's unique #: 43784 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: August 16, 1957 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 105 N Maple Ave, Hannibal, MO 63401 County: Marion Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: St. Louis Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Hannibal, MO (#25300) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $6.1 mil Equity capital: $0.9 mil Deposits held in domestic offices: $5.2 mil Return on assets (ROA): -0.63% (-$0.0 mil) Quarterly return on assets: -0.72% (-$0.0 mil) Return on Equity (ROE): -4.40% (-$0.0 mil) Quarterly return on equity: -5.05% (-$0.1 mil) Net income: -$0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.63% (-$38.4 mil) Quarterly Pretax return on assets: -0.72% (-$43.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
3Total employees (full-time equivalent)
$6,089Total assets
$1,518Cash and due from depository institutions
$754Interest-bearing balances
$1Securities
$0Federal funds sold & reverse repurchase agreements
$4,463Net loans & leases
$91Loan loss allowance
$0Trading account assets
$31Bank premises and fixed assets
$26Other real estate owned
$0Goodwill and other intangibles
$6,089Life insurance assets
$50All other assets
$5,224Total liabilities and capital
$5,214Total liabilities
$5,214Total deposits
$5,214Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$10Subordinated debt
$865All other liabilities
$865Total equity capital
$865Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$865Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$20Long-term assets (5+ years)
$5,218Average Assets, year-to-date
$0Average Assets, quarterly
$6,200Volatile liabilities
$6,106Insider loans
$2,928FHLB advances
$6,092Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$868Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$290Total interest income
$60Total interest expense
$230Net interest income
$2Provision for loan and lease losses
$3Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3Additional noninterest income
$270Total noninterest expense
$170Salaries and employee benefits
$45Premises and equipment expense
$55Additional noninterest expense
-$39Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$39Income before extraordinary items
$0Extraordinary gains - net
-$39Net income attributable to bank
$0Net charge-offs
-$39Cash dividends
$9Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.28%Yield on earning assets
1.09%Cost of funding earning assets
4.19%Net interest margin
0.05%Noninterest income to earning assets
4.92%Noninterest expense to earning assets
-0.63%Net operating income to assets
-0.63%Return on assets (ROA)
-0.63%Pretax return on assets
-4.40%Return on equity (ROE)
-4.40%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
22.22%Credit loss provision to net charge-offs
-4.11%Efficiency ratio
115,880Assets per employee
2.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
0.00%Net loans and leases to deposits
85.60%Net loans and leases to core deposits
85.60%Equity capital to assets
14.21%Core capital (leverage) ratio
14.25%Tier 1 risk-based capital ratio
29.64%Total risk-based capital ratio
Memoranda
$31Average assets
$6,200Average earning assets
$886Average equity
$5,488Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43784
American Loan And Savings Associatio
105 N Maple Ave, Hannibal, MO 63401
January 01, 1909
Full Service Brick and Mortar
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