Institution Statistics
| Athens Federal Community Bank | | OTS # | 02887 | | FDIC Certificate # | 29085 | | BankRate Report | View | | Year Established | 1934 | | Employees | 93 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $283.31 million | | Loans | $204.70 million | | Deposits | $231.44 million | | Equity Capital | $40.77 million | | Loan Loss Allowance | $4.17 million | | Unbacked Noncurrent Loans | $3.30 million | | Real Estate Owned | $526,000 |
Historic Data - December 2010 | | Assets | $277.39 million | | Equity Capital | $38.00 million | | Loan Loss Allowance | $2.21 million | | Unbacked Noncurrent Loans | $2.04 million | | Real Estate Owned | $1.09 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.47% | | Return on Assets | 0.74% | | Return on Equity | 5.31% | | Interest Income | $15.14 million |
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Institution Health
Overall Score:
5 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 Athens Federal Community Bank had $3.82 million in non-current loans and owned real-estate with $44.93 million in equity and loan loss allowances on hand to cover it. This gives Athens Federal Community Bank a Texas Ratio of 8.51% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Athens Federal Community Bank held steady from 7.77% as of December 31, 2010 to 8.51% as of December 31, 2011, resulting in a negative change of 9.49%. This indicates that the balance sheet and financial strength for Athens Federal Community Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Athens Federal Community Bank has increased its total deposits by $15.43 million, resulting in 7.14% 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 Athens Federal Community Bank 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. Athens Federal Community Bank has $283.31 million in assets with $44.93 million in equity, resulting in a capitalization level of 15.86%, which is excellent. |
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