TOC Case Study: Security Federal Bank

Before

• $212 million in assets
  $850 million in loan servicing assets
  Net Interest Margin (T) 2.02 percent
  Non-Interest Income (T) 1.03 percent

After

• $317 million in assets – increased by 49.5 percent
  $1.4 billion in loan servicing assets – increased by 64.7 percent
  Net Interest Margin (T) 3.56 percent - increased by 76.2 percent
  Non-Interest Income (T) 1.65 percent - increased by 60.1 percent