Medina Savings and Loan Association

Medina Savings and Loan Association is headquartered in Medina and is the 170^th largest bank in the state of New York. It is also the 6,633^rd largest bank in the nation. It was established in 1851 and as of March of 2012, it had grown to 14 employees at 2 locations. Medina Savings and Loan Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Medina Savings and Loan Association OTS # 05529 FDIC Certificate # 30547 BankRate Report View Year Established 1851 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $41.42 million Loans $22.16 million Deposits $36.59 million Equity Capital $3.60 million Loan Loss Allowance $367,000 Unbacked Noncurrent Loans $140,000 Real Estate Owned $298,000 Historic Data - March 2011 Assets $36.77 million Equity Capital $3.41 million Loan Loss Allowance $363,000 Unbacked Noncurrent Loans $231,000 Real Estate Owned $206,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.16% Return on Equity 1.76% Interest Income $409,000

Institution Health Overall Score: 4 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 March 31, 2012 Medina Savings and Loan Association had $438,000 in non-current loans and owned real-estate with $3.97 million in equity and loan loss allowances on hand to cover it. This gives Medina Savings and Loan Association a Texas Ratio of 11.04% 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 Medina Savings and Loan Association held steady from 11.58% as of March 31, 2011 to 11.04% as of March 31, 2012, resulting in a positive change of 4.62%.This indicates that the balance sheet and financial strength for Medina Savings and Loan Association has held steady in recent periods. Deposit Growth In the past year, Medina Savings and Loan Association has increased its total deposits by $4.37 million, resulting in 13.56% 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 Medina 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. Medina Savings and Loan Association has $41.42 million in assets with $3.97 million in equity, resulting in a capitalization level of 9.58%, which is average.

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