Bank of Bearden

Bank of Bearden is headquartered in Bearden and is the 124^th largest bank in the state of Arkansas. It is also the 6,848^th largest bank in the nation. It was established in 1945 and as of December of 2011, it had grown to 8 employees at 1 location. Bank of Bearden has a 4-star health rating.

Bank of Bearden Routing Number: 082907493

Data for Q4 2011

Institution Statistics Bank of Bearden FDIC Certificate # 16282 BankRate Report View Year Established 1945 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $34.88 million Loans $19.63 million Deposits $28.82 million Equity Capital $5.79 million Loan Loss Allowance $271,000 Unbacked Noncurrent Loans $151,000 Historic Data - December 2010 Assets $37.16 million Equity Capital $5.69 million Loan Loss Allowance $261,000 Unbacked Noncurrent Loans $66,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 1.16% Return on Equity 7.07% Interest Income $1.37 million

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 December 31, 2011 Bank of Bearden had $151,000 in non-current loans and owned real-estate with $6.06 million in equity and loan loss allowances on hand to cover it. This gives Bank of Bearden a Texas Ratio of 2.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Bearden held steady from 1.11% as of December 31, 2010 to 2.49% as of December 31, 2011, resulting in a negative change of 124.78%. This indicates that the balance sheet and financial strength for Bank of Bearden has held steady in recent periods. Deposit Growth In the past year, Bank of Bearden has decreased its total deposits by -$2.25 million, resulting in -7.23% 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 Bank of Bearden has shown is poor. 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. Bank of Bearden has $34.88 million in assets with $6.06 million in equity, resulting in a capitalization level of 17.36%, which is excellent.

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