American Loan and Savings Association

Headquarters

105 N Maple Ave
Hannibal, MO 63401
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 2.55% →
1-Year CD N.A. 2.80% →
2-Year CD N.A. 3.20% →
5-Year CD N.A. 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 30950
Date Established 1909
Assets $ 4.17 million
Loans $ 3.03 million
Deposits $ 3.83 million
Capital $ 0.33 million
 

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.

Deposit Rates - August 16, 2022

Your Current Location: California, CA 92111

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

Advertiser Disclosure
 

Loan Rates - August 16, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
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AimLoan.com
NMLS ID: 2890
License#: 413-0477
4.845% 4.750%
0.75 points
$2,752 fees
$1,305 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

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:
San Diego,California


American Loan and Savings Association Locations



Climate Initiatives

American Loan and Savings Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2022, 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% 9.01%

American Loan and Savings Association has a Return on Equity of -66.39% versus the BestCashCow average of 9.01%. 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% 10.66%

American Loan and Savings Association has a Capitalization of 8% versus the BestCashCow average of 10.66. 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

March 31, 2022
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.03 million
Loan loss allowance $ 0.04 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 3.83 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 4.17 million

Summary Income Statement

March 31, 2022
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

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

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