American Loan and Savings Association in Hannibal, Missouri (MO)



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American Loan and Savings Association
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)3
Total assets$6,089
Cash and due from depository institutions$1,518
Interest-bearing balances$754
Securities$1
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$4,463
Loan loss allowance $91
Trading account assets$0
Bank premises and fixed assets$31
Other real estate owned$26
Goodwill and other intangibles$0
All other assets$50
Life insurance assets$6,089
Total liabilities and capital$5,224
Total liabilities$5,214
Total deposits$5,214
Interest-bearing deposits$5,214
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $10
All other liabilities $865
Total equity capital$865
Total bank equity capital$865
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $865
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $20
Average Assets, year-to-date $5,218
Average Assets, quarterly $0
Volatile liabilities $6,200
Insider loans $6,106
FHLB advances $2,928
Loans and leases held for sale $6,092
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $868
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $290
Total interest expense $60
Net interest income $230
Provision for loan and lease losses $2
Total noninterest income $3
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $3
Total noninterest expense $270
Salaries and employee benefits $170
Premises and equipment expense $45
Additional noninterest expense $55
Pre-tax net operating income -$39
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$39
Extraordinary gains - net $0
Net income attributable to bank -$39
Net charge-offs $0
Cash dividends -$39
Sale, conversion, retirement of capital stock, net $9
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.28%
Cost of funding earning assets 1.09%
Net interest margin 4.19%
Noninterest income to earning assets 0.05%
Noninterest expense to earning assets 4.92%
Net operating income to assets -0.63%
Return on assets (ROA) -0.63%
Pretax return on assets -0.63%
Return on equity (ROE) -4.40%
Retained earnings to average equity (YTD only) -4.40%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 22.22%
Efficiency ratio-4.11%
Assets per employee$115,880
Cash dividends to net income (YTD only)2.03%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.00%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.43%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 85.60%
Equity capital to assets 85.60%
Core capital (leverage) ratio 14.21%
Tier 1 risk-based capital ratio 14.25%
Total risk-based capital ratio 29.64%
Memoranda
Average assets$31
Average earning assets$6,200
Average equity $886
Average loans $5,488
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
043784American Loan And Savings Associatio105 N Maple Ave, Hannibal, MO 63401January 01, 1909Full Service Brick and Mortar
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