NASB Financial Inc. (NASB, Financial) filed Annual Report for the period ended 2009-09-30.
NASB Financial, Inc. is a unitary thrift holding company of North American Savings Bank, F.S.B. Nasb Financial Inc. has a market cap of $187.65 million; its shares were traded at around $23.85 with a P/E ratio of 10.06 and P/S ratio of 4.63. The dividend yield of Nasb Financial Inc. stocks is 3.77%. Nasb Financial Inc. had an annual average earning growth of 6% over the past 5 years.
Customer checking and savings
deposit accounts $ 169,124 0.88%
Customer and brokered
certificates of deposit 698,747 3.37%
FHLB advances 491,040 3.37%
Subordinated debentures 25,000 3.42%
-
Total costing liabilities 1,383,911 3.07%
Non-costing liabilities 13,617 -
Stockholders' equity 158,588
-
Total $1,556,116
=
Net earning balance $ 107,142
=
Earning yield less costing rate 2.95%
=
Interest-costing liabilities:
Customer checking and savings
deposit accounts $ 166,076 1.16%
Customer and brokered
certificates of deposit 639,113 4.51%
FHLB advances 536,344 4.55%
Subordinated debentures 25,000 5.43%
-
Total costing liabilities 1,366,533 4.13%
Non-costing liabilities 15,291 -
Stockholders' equity 151,323
-
Total $1,533,147
=
Net earning balance $ 105,557
=
Earning yield less costing rate 2.36%
=
Interest-costing liabilities:
Customer checking and savings
deposit accounts $ 169,264 1.20%
Customer and brokered
certificates of deposit 650,273 4.84%
FHLB advances 512,341 5.23%
Subordinated debentures 20,269 7.01%
Repurchase agreements 7,546 5.23%
-
Total costing liabilities 1,359,693 4.57%
Non-costing liabilities 12,668 -
Stockholders' equity 153,431
-
Total $1,525,792
=
Net earning balance $ 102,300
=
Earning yield less costing rate 2.53%
=
Year ended September 30,
-
2009 2008 2007 2006 2005
-
Return on average assets 1.22% 0.61% 1.01% 1.35% 1.77%
Return on average equity 11.74% 6.16% 10.01% 13.60% 17.94%
Equity to asset ratio 10.67% 10.05% 9.92% 10.27% 9.57%
Dividend payout ratio 37.84% 76.16% 47.90% 45.59% 54.82%
As of September 30,
-
2009 2008 2007 2006 2005
-
Asset Classification
Substandard $ 69,158 34,320 11,726 12,361 13,346
Doubtful - - - - -
Loss 6,415 1,442 357 434 595
-
Total Classified 75,573 35,762 12,083 12,795 13,941
Allowance for loan/REO
losses (20,699) (14,476) (8,301) (8,266) (7,731)
-
Net classified assets $ 54,874 21,286 3,782 4,529 6,210
=
Net classified to total
classified assets 73% 60% 31% 35% 45%
=
September 30,
-
2009 2008 2007 2006 2005
- - - - -
Amount Pct. Amount Pct. Amount Pct. Amount Pct. Amount Pct.
- - - - -
Type of Account and Rate:
Demand deposit accounts $ 80,201 9% 76,621 10 93,451 11 86,517 10 82,596 10
Savings accounts 81,572 9 71,193 9 70,077 8 77,469 9 97,435 12
Money market demand
accounts 14,991 2 13,352 2 10,323 1 11,717 2 12,271 2
Certificates of deposit 520,017 57 530,449 69 548,251 64 547,096 64 515,590 64
Brokered accounts 207,844 23 77,764 10 133,434 16 128,243 15 94,802 12
- - - - -
$904,625 100 769,379 100 855,536 100 851,042 100 802,694 100
= = = = =
Weighted average
interest rate 2.23% 3.38% 4.30% 3.98% 2.96%
Read the The complete Report
NASB Financial, Inc. is a unitary thrift holding company of North American Savings Bank, F.S.B. Nasb Financial Inc. has a market cap of $187.65 million; its shares were traded at around $23.85 with a P/E ratio of 10.06 and P/S ratio of 4.63. The dividend yield of Nasb Financial Inc. stocks is 3.77%. Nasb Financial Inc. had an annual average earning growth of 6% over the past 5 years.
Highlight of Business Operations:
Interest-costing liabilities:Customer checking and savings
deposit accounts $ 169,124 0.88%
Customer and brokered
certificates of deposit 698,747 3.37%
FHLB advances 491,040 3.37%
Subordinated debentures 25,000 3.42%
-
Total costing liabilities 1,383,911 3.07%
Non-costing liabilities 13,617 -
Stockholders' equity 158,588
-
Total $1,556,116
=
Net earning balance $ 107,142
=
Earning yield less costing rate 2.95%
=
Interest-costing liabilities:
Customer checking and savings
deposit accounts $ 166,076 1.16%
Customer and brokered
certificates of deposit 639,113 4.51%
FHLB advances 536,344 4.55%
Subordinated debentures 25,000 5.43%
-
Total costing liabilities 1,366,533 4.13%
Non-costing liabilities 15,291 -
Stockholders' equity 151,323
-
Total $1,533,147
=
Net earning balance $ 105,557
=
Earning yield less costing rate 2.36%
=
Interest-costing liabilities:
Customer checking and savings
deposit accounts $ 169,264 1.20%
Customer and brokered
certificates of deposit 650,273 4.84%
FHLB advances 512,341 5.23%
Subordinated debentures 20,269 7.01%
Repurchase agreements 7,546 5.23%
-
Total costing liabilities 1,359,693 4.57%
Non-costing liabilities 12,668 -
Stockholders' equity 153,431
-
Total $1,525,792
=
Net earning balance $ 102,300
=
Earning yield less costing rate 2.53%
=
Year ended September 30,
-
2009 2008 2007 2006 2005
-
Return on average assets 1.22% 0.61% 1.01% 1.35% 1.77%
Return on average equity 11.74% 6.16% 10.01% 13.60% 17.94%
Equity to asset ratio 10.67% 10.05% 9.92% 10.27% 9.57%
Dividend payout ratio 37.84% 76.16% 47.90% 45.59% 54.82%
As of September 30,
-
2009 2008 2007 2006 2005
-
Asset Classification
Substandard $ 69,158 34,320 11,726 12,361 13,346
Doubtful - - - - -
Loss 6,415 1,442 357 434 595
-
Total Classified 75,573 35,762 12,083 12,795 13,941
Allowance for loan/REO
losses (20,699) (14,476) (8,301) (8,266) (7,731)
-
Net classified assets $ 54,874 21,286 3,782 4,529 6,210
=
Net classified to total
classified assets 73% 60% 31% 35% 45%
=
September 30,
-
2009 2008 2007 2006 2005
- - - - -
Amount Pct. Amount Pct. Amount Pct. Amount Pct. Amount Pct.
- - - - -
Type of Account and Rate:
Demand deposit accounts $ 80,201 9% 76,621 10 93,451 11 86,517 10 82,596 10
Savings accounts 81,572 9 71,193 9 70,077 8 77,469 9 97,435 12
Money market demand
accounts 14,991 2 13,352 2 10,323 1 11,717 2 12,271 2
Certificates of deposit 520,017 57 530,449 69 548,251 64 547,096 64 515,590 64
Brokered accounts 207,844 23 77,764 10 133,434 16 128,243 15 94,802 12
- - - - -
$904,625 100 769,379 100 855,536 100 851,042 100 802,694 100
= = = = =
Weighted average
interest rate 2.23% 3.38% 4.30% 3.98% 2.96%
Read the The complete Report
