Amory Federal Savings and Loan Association

Amory Federal Savings and Loan Association is headquartered in Amory and is the 68^th largest bank in the state of Mississippi. It is also the 5,013^st largest bank in the nation. It was established in 1934 and as of December of 2011, it had grown to 10 employees at 1 location. Amory Federal Savings and Loan Association has a 3-star health rating.

Data for Q4 2011

Institution Statistics Amory Federal Savings and Loan Association OTS # 02674 FDIC Certificate # 28949 BankRate Report View Year Established 1934 Employees 10 Primary Regulator OCC Assets and Liabilities Assets $97.10 million Loans $67.18 million Deposits $88.07 million Equity Capital $8.90 million Loan Loss Allowance $418,000 Unbacked Noncurrent Loans $2.57 million Real Estate Owned $2.23 million Historic Data - December 2010 Assets $87.44 million Equity Capital $8.38 million Loan Loss Allowance $208,000 Unbacked Noncurrent Loans $1.96 million Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 0.46% Return on Equity 4.91% Interest Income $4.05 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Amory Federal Savings and Loan Association had $4.8 million in non-current loans and owned real-estate with $9.31 million in equity and loan loss allowances on hand to cover it. This gives Amory Federal Savings and Loan Association a Texas Ratio of 51.56% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Amory Federal Savings and Loan Association increased slightly from 35.34% as of December 31, 2010 to 51.56% as of December 31, 2011, resulting in a negative change of 45.90%. This indicates that the balance sheet and financial strength for Amory Federal Savings and Loan Association has declined slightly in recent periods. Deposit Growth In the past year, Amory Federal Savings and Loan Association has increased its total deposits by $9.1 million, resulting in 11.52% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Amory Federal Savings and Loan Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Amory Federal Savings and Loan Association has $97.1 million in assets with $9.31 million in equity, resulting in a capitalization level of 9.59%, which is average.

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