Bank of Brookhaven

Bank of Brookhaven is headquartered in Brookhaven and is the 59^th largest bank in the state of Mississippi. It is also the 4,323^rd largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 27 employees at 1 location. Bank of Brookhaven has a 5-star health rating.

Bank of Brookhaven Routing Number: 065306134

Data for Q4 2011

Institution Statistics Bank of Brookhaven FDIC Certificate # 35439 BankRate Report View Year Established 2000 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $125.37 million Loans $62.88 million Deposits $109.02 million Equity Capital $14.32 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $66,000 Real Estate Owned $543,000 Historic Data - December 2010 Assets $118.49 million Equity Capital $13.09 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $5,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.88% Return on Equity 7.73% Interest Income $5.02 million

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 Bank of Brookhaven had $609,000 in non-current loans and owned real-estate with $15.43 million in equity and loan loss allowances on hand to cover it. This gives Bank of Brookhaven a Texas Ratio of 3.95% 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 Brookhaven held steady from 0.04% as of December 31, 2010 to 3.95% as of December 31, 2011, resulting in a negative change of 11,108.35%. This indicates that the balance sheet and financial strength for Bank of Brookhaven has held steady in recent periods. Deposit Growth In the past year, Bank of Brookhaven has increased its total deposits by $5.21 million, resulting in 5.02% 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 Brookhaven 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. Bank of Brookhaven has $125.37 million in assets with $15.43 million in equity, resulting in a capitalization level of 12.31%, which is excellent.

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