NASB Financial Inc. (NASB, Financial) filed Annual Report for the period ended 2010-09-30.
Nasb Financial Inc. has a market cap of $127.8 million; its shares were traded at around $16.24 with a P/E ratio of 16.9 and P/S ratio of 2.9. Nasb Financial Inc. had an annual average earning growth of 4.9% over the past 10 years.
Customer checking and savings
deposit accounts $ 185,281 0.60%
Customer and brokered
certificates of deposit 699,011 2.34%
FHLB advances 380,112 3.00%
Subordinated debentures 25,000 2.02%
-
Total costing liabilities 1,289,404 2.28%
Non-costing liabilities 6,269 -
Stockholders' equity 168,049
-
Total $1,463,722
=
Net earning balance $ 94,662
=
Earning yield less costing rate 3.73%
=
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%
=
Fiscal 2008
-
Average Yield/
Balance Rate
-
Interest-earning assets:
Loans $ 1,363,032 6.72%
Mortgage-backed securities 71,196 3.58%
Investments 25,909 4.19%
Bank deposits 11,953 2.12%
-
Total earning assets 1,472,090 6.49%
Non-earning assets 61,057 -
-
Total $ 1,533,147
=
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%
=
Year ended September 30,
-
2010 2009 2008 2007 2006
-
Return on average assets 0.42% 1.22% 0.61% 1.01% 1.35%
Return on average equity 3.78% 11.74% 6.16% 10.01% 13.60%
Equity to asset ratio 11.70% 10.67% 10.05% 9.92% 10.27%
Dividend payout ratio 55.99% 37.84% 76.16% 47.90% 45.59%
As of September 30,
-
2010 2009 2008 2007 2006
-
Asset Classification
Substandard $ 142,085 69,158 34,320 11,726 12,361
Doubtful - - - - -
Loss* 16,965 6,415 1,442 357 434
-
Total Classified 159,050 75,573 35,762 12,083 12,795
Allowance for loan/REO
losses (34,643) (20,699) (14,476) (8,301) (8,266)
-
Net classified assets $ 124,407 54,874 21,286 3,782 4,529
=
Net classified to total
classified assets 78% 73% 60% 31% 35%
=
Read the The complete Report
Nasb Financial Inc. has a market cap of $127.8 million; its shares were traded at around $16.24 with a P/E ratio of 16.9 and P/S ratio of 2.9. Nasb Financial Inc. had an annual average earning growth of 4.9% over the past 10 years.
Highlight of Business Operations:
Interest-costing liabilities:Customer checking and savings
deposit accounts $ 185,281 0.60%
Customer and brokered
certificates of deposit 699,011 2.34%
FHLB advances 380,112 3.00%
Subordinated debentures 25,000 2.02%
-
Total costing liabilities 1,289,404 2.28%
Non-costing liabilities 6,269 -
Stockholders' equity 168,049
-
Total $1,463,722
=
Net earning balance $ 94,662
=
Earning yield less costing rate 3.73%
=
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%
=
Fiscal 2008
-
Average Yield/
Balance Rate
-
Interest-earning assets:
Loans $ 1,363,032 6.72%
Mortgage-backed securities 71,196 3.58%
Investments 25,909 4.19%
Bank deposits 11,953 2.12%
-
Total earning assets 1,472,090 6.49%
Non-earning assets 61,057 -
-
Total $ 1,533,147
=
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%
=
Year ended September 30,
-
2010 2009 2008 2007 2006
-
Return on average assets 0.42% 1.22% 0.61% 1.01% 1.35%
Return on average equity 3.78% 11.74% 6.16% 10.01% 13.60%
Equity to asset ratio 11.70% 10.67% 10.05% 9.92% 10.27%
Dividend payout ratio 55.99% 37.84% 76.16% 47.90% 45.59%
As of September 30,
-
2010 2009 2008 2007 2006
-
Asset Classification
Substandard $ 142,085 69,158 34,320 11,726 12,361
Doubtful - - - - -
Loss* 16,965 6,415 1,442 357 434
-
Total Classified 159,050 75,573 35,762 12,083 12,795
Allowance for loan/REO
losses (34,643) (20,699) (14,476) (8,301) (8,266)
-
Net classified assets $ 124,407 54,874 21,286 3,782 4,529
=
Net classified to total
classified assets 78% 73% 60% 31% 35%
=
Read the The complete Report
