Amory Federal Savings and Loan Association in Amory, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Amory Federal Savings and Loan Association in Amory, Mississippi (MS)
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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
  • NoIDNameAddressEstablishedService TypeMap
    041783Amory Federal Savings And Loan Assoc213 2nd Ave N, Amory, MS 38821June 01, 1934Full Service Brick and Mortar

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