Amory Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 28949 Status: Active Federal Reserve ID: 715975 Date Established: June 01, 1934 Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 2674 FDIC's unique #: 41783 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: October 29, 1934 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 213 2nd Ave N, Amory, MS 38821 County: Monroe Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Jackson Ms Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $97.1 mil Equity capital: $8.9 mil Deposits held in domestic offices: $88.1 mil Return on assets (ROA): 0.46% ($0.4 mil) Quarterly return on assets: -0.17% (-$0.2 mil) Return on Equity (ROE): 4.91% ($0.4 mil) Quarterly return on equity: -1.88% (-$0.2 mil) Net income: $0.4 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.91% ($883.6 mil) Quarterly Pretax return on assets: 0.08% ($77.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
10Total employees (full-time equivalent)
$97,100Total assets
$19,885Cash and due from depository institutions
$19,841Interest-bearing balances
$6,320Securities
$0Federal funds sold & reverse repurchase agreements
$67,180Net loans & leases
$418Loan loss allowance
$0Trading account assets
$491Bank premises and fixed assets
$2,232Other real estate owned
$1Goodwill and other intangibles
$97,100Life insurance assets
$991All other assets
$88,205Total liabilities and capital
$88,074Total liabilities
$88,074Total deposits
$88,074Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$131Subordinated debt
$8,895All other liabilities
$8,895Total equity capital
$8,895Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$8,895Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,570Income earned, not collected on loans
$0Earning assets
$434Long-term assets (5+ years)
$93,341Average Assets, year-to-date
$0Average Assets, quarterly
$92,289Volatile liabilities
$96,175Insider loans
$44,087FHLB advances
$97,092Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,887Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$538Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,046Total interest income
$1,339Total interest expense
$2,707Net interest income
$210Provision for loan and lease losses
-$47Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
-$47Additional noninterest income
$1,610Total noninterest expense
$822Salaries and employee benefits
$203Premises and equipment expense
$585Additional noninterest expense
$840Pre-tax net operating income
$0Securities gains (losses)
$413Applicable income taxes
$427Income before extraordinary items
$0Extraordinary gains - net
$427Net income attributable to bank
$0Net charge-offs
$427Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.55%Yield on earning assets
1.50%Cost of funding earning assets
3.04%Net interest margin
-0.05%Noninterest income to earning assets
1.81%Noninterest expense to earning assets
0.46%Net operating income to assets
0.46%Return on assets (ROA)
0.91%Pretax return on assets
4.91%Return on equity (ROE)
4.91%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
60,451Assets per employee
9.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.62%Loss allowance to noncurrent loans
16.26%Noncurrent assets plus other real estate owned to assets
4.95%Noncurrent loans to loans
3.80%Net loans and leases to deposits
76.28%Net loans and leases to core deposits
84.26%Equity capital to assets
9.16%Core capital (leverage) ratio
9.15%Tier 1 risk-based capital ratio
20.16%Total risk-based capital ratio
Memoranda
$21Average assets
$92,289Average earning assets
$8,696Average equity
$89,008Average loans
List of branches
1 Mississippi Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41783
Amory Federal Savings And Loan Assoc
213 2nd Ave N, Amory, MS 38821
June 01, 1934
Full Service Brick and Mortar
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