Bank of Crockett

Bank of Crockett is headquartered in Bells and is the 127^th largest bank in the state of Tennessee. It is also the 3,985^th largest bank in the nation. It was established in 1887 and as of December of 2011, it had grown to 38 employees at 6 locations. Bank of Crockett has a 4-star health rating.

Bank of Crockett Routing Number: 084303231

Data for Q4 2011

Institution Statistics Bank of Crockett FDIC Certificate # 1468 BankRate Report View Year Established 1887 Employees 38 Primary Regulator FED Assets and Liabilities Assets $143.19 million Loans $38.33 million Deposits $124.80 million Equity Capital $15.30 million Loan Loss Allowance $967,000 Unbacked Noncurrent Loans $1.19 million Real Estate Owned $1.56 million Historic Data - December 2010 Assets $122.67 million Equity Capital $13.22 million Loan Loss Allowance $944,000 Unbacked Noncurrent Loans $178,000 Real Estate Owned $21,000 Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 1.26% Return on Equity 11.28% Interest Income $4.98 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 Crockett had $2.75 million in non-current loans and owned real-estate with $16.26 million in equity and loan loss allowances on hand to cover it. This gives Bank of Crockett a Texas Ratio of 16.90% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Crockett increased slightly from 1.41% as of December 31, 2010 to 16.90% as of December 31, 2011, resulting in a negative change of 1,102.71%. This indicates that the balance sheet and financial strength for Bank of Crockett has declined slightly in recent periods. Deposit Growth In the past year, Bank of Crockett has increased its total deposits by $16.32 million, resulting in 15.04% 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 Crockett 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 Crockett has $143.19 million in assets with $16.26 million in equity, resulting in a capitalization level of 11.36%, which is above average.

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