American Loan and Savings Association

105 N Maple Ave
Hannibal, MO 63401

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30950
Date Established 1909
Assets $0.00 billion
Loans $0.00 billion
Deposits $0.00 billion
Capital $0.00 billion

American Loan and Savings Association is an FDIC insured institution located in Hannibal, MO. It was founded in 1909 and has approximately $0 billion in assets.

For a more detailed analysis of American Loan and Savings Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in American Loan and Savings Association’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Construction and Development Loans.

Compared to other banks in Missouri, American Loan and Savings Association has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 88.51
Multifamily
Mortgages
10.66
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 1.82
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates - July 22, 2018

Your Current Location: Virginia, VA 20146

There are currently no rates available for American Loan And Savings Association, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - July 22, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Loan and Savings Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to American Loan and Savings Association
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Branches

American Loan and Savings Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


American Loan and Savings Association Locations

Financial Details

American Loan and Savings Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Loan and Savings Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Loan and Savings Association U.S. Bank Average
31.27% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, American Loan and Savings Association had $116,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $334,000 in equity and $37,000 in loans loss reserves. That gives it a Texas Ratio of 31.27%.

Return on Equity
American Loan and Savings Association U.S. Bank Average
-66.39% 9.35%

American Loan and Savings Association has a Return on Equity of -66.39% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
American Loan and Savings Association U.S. Bank Average
8% 12.01%

American Loan and Savings Association has a Capitalization of 8% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Loan and Savings Association Balance Sheet Analysis

As of June 30, 2016, American Loan and Savings Association had assets of $4,233,000, loans of $3,030,000, and deposits of $3,831,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.00 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.00 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About American Loan And Savings Association

Branches and Savings

Is American Loan And Savings Association FDIC insured?

Yes. It is covered under FDIC Certificate #30950.

Why does American Loan And Savings Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Loan And Savings Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Loan And Savings Association a commercial bank?

Yes

Where are American Loan And Savings Association locations?

See branch locations nearby.

Is American Loan And Savings Association open on Saturdays?

Is American Loan And Savings Association open on Sundays?

What time does American Loan And Savings Association open?

What time does American Loan And Savings Association close?

Are American Loan And Savings Association ATMs Open 24/7?

Do American Loan And Savings Association ATMs accept cash deposits?

Can American Loan And Savings Association customers use other ATMs?

Do American Loan And Savings Association branches have notaries?

Will American Loan And Savings Association notarize my document?

What address for American Loan And Savings Association should I put for incoming ACH transfers?

Will the American Loan And Savings Association branch print checks?

Do American Loan And Savings Association checks expire?

Does American Loan And Savings Association require US citizenship to open account?

Can American Loan And Savings Association close my account?

Does American Loan And Savings Association Report to credit bureaus?

Does American Loan And Savings Association Use Equifax?

What is American Loan And Savings Association's ACH Routing Number?

What is American Loan And Savings Association's SWIFT code?

Products

Does American Loan And Savings Association offer mortgages?

Compare mortgage rates here.

Does American Loan And Savings Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Loan And Savings Association offer personal loans?

Compare personal loan rates here.

Does American Loan And Savings Association offer student loans?

Will American Loan And Savings Association cash a check?

Will American Loan And Savings Association redeem a savings bond?

Does American Loan And Savings Association cash savings bonds?

Will American Loan And Savings Association cash money orders?

Can American Loan And Savings Association issue a money order?

Does American Loan And Savings Association do currency exchange?

Background on The Bank

Who owns American Loan And Savings Association?

How long has American Loan And Savings Association been around?

Can American Loan And Savings Association transfer to other banks?

Does American Loan And Savings Association have quick pay?

Does American Loan And Savings Association accept rolled coins?

Will American Loan And Savings Association accept loose change?

Where is American Loan And Savings Association headquarters?

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