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American Loan and Savings Association

Hannibal, MO · Cert 30950

FDIC · 2 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Loan and Savings Association

Hannibal, MO · Cert 30950

FDIC · 2 branches

Q3 2016

$4.2MAssets
$3.0MLoans
$3.9MDeposits
$338KEquity
Deposit mix
99%Interest-bearing $3.9M1%Noninterest $0.0MQ3 2015Q3 2016

NIM

3.60%Q3 ’143.63%Q3 ’153.28%Q3 ’160%-13%

Non-interest income vs. expense

5.61%Q3 ’146.01%Q3 ’159.39%Q3 ’16-7%+13%

Executive Summary

  • Earnings: ROA of -3.97%, down 131 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.70%, down 268 bps from a year ago.
  • Funding: loans stand at 77.30% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-3.97%-131 bps YoY

Net Interest Margin (YTD, annualized)

2.89%-44 bps YoY

Efficiency Ratio (YTD, annualized)

169.78%-1,039 bps YoY

Tier 1 Leverage Ratio

7.70%-268 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-2.66%-2.67%-6.55%-6.11%-3.97%-131 bps
Return on Equity-23.47%-23.81%-67.05%-66.39%-44.59%-2,112 bps
Net Interest Margin3.32%3.34%2.83%3.00%2.89%-44 bps
Efficiency Ratio180.17%180.26%281%277%169.78%-1,039 bps
Non-Interest Burden5.99%6.00%7.94%8.31%6.74%+76 bps
Growth
Asset Growth (YoY)-8.93%-10.44%-8.50%-11.04%-8.38%+55 bps
Loan Growth (YoY)3.39%3.12%-12.14%-17.49%-17.66%-2,106 bps
Deposit Growth (YoY)-7.10%-8.97%-5.88%-7.86%-5.21%+189 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.96%1.00%1.11%1.21%1.26%+30 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.38%9.88%8.97%7.71%7.70%-268 bps
Total Risk-Based Capital23.77%22.61%23.42%21.21%22.96%-81 bps
Equity / Assets10.74%10.54%8.99%8.00%7.98%-275 bps
Liquidity & Funding
Loans / Deposits89.00%91.31%81.97%80.06%77.30%-1,170 bps
Liquid Assets / Assets11.28%9.52%9.63%10.09%0.24%-1,104 bps
CRE / Total Capitaln/an/an/an/an/an/an/a