American Loan and Savings Association

American Loan and Savings Association is headquartered in Hannibal and is the 330^th largest bank in the state of Missouri. It is also the 7,342^nd largest bank in the nation. It was established in 1909 and as of December of 2011, it had grown to 3 employees at 1 location. American Loan and Savings Association has a 5-star health rating.

Data for Q4 2011

Institution Statistics American Loan and Savings Association OTS # 06160 FDIC Certificate # 30950 BankRate Report View Year Established 1909 Employees 3 Primary Regulator OCC Assets and Liabilities Assets $6.09 million Loans $4.46 million Deposits $5.21 million Equity Capital $865,000 Loan Loss Allowance $91,000 Real Estate Owned $26,000 Historic Data - December 2010 Assets $6.27 million Equity Capital $905,000 Loan Loss Allowance $98,000 Unbacked Noncurrent Loans $20,000 Real Estate Owned $143,000 Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets -0.63% Return on Equity -4.4% Interest Income $290,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Loan and Savings Association had $26,000 in non-current loans and owned real-estate with $956,000 in equity and loan loss allowances on hand to cover it. This gives American Loan and Savings Association a Texas Ratio of 2.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Loan and Savings Association decreased significantly from 16.25% as of December 31, 2010 to 2.72% as of December 31, 2011, resulting in a positive change of 83.26%.This indicates that the balance sheet and financial strength for American Loan and Savings Association has improved significantly in recent periods. Deposit Growth In the past year, American Loan and Savings Association has decreased its total deposits by $-141,000, resulting in -2.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Loan and Savings Association has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Loan and Savings Association has $6.09 million in assets with $956,000 in equity, resulting in a capitalization level of 15.70%, which is excellent.

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