Bank of England

Bank of England is headquartered in England and is the 45^th largest bank in the state of Arkansas. It is also the 2,652^nd largest bank in the nation. It was established in 1898 and as of December of 2011, it had grown to 450 employees at 10 locations. Bank of England has a 4-star health rating.

Bank of England Routing Number: 082902139

Data for Q4 2011

Institution Statistics Bank of England FDIC Certificate # 13303 BankRate Report View Year Established 1898 Employees 450 Primary Regulator FDIC Assets and Liabilities Assets $240.65 million Loans $189.22 million Deposits $209.41 million Equity Capital $23.92 million Loan Loss Allowance $2.17 million Unbacked Noncurrent Loans $3.83 million Real Estate Owned $377,000 Historic Data - December 2010 Assets $213.86 million Equity Capital $21.73 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $1.12 million Real Estate Owned $736,000 Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 1.84% Return on Equity 17.93% Interest Income $10.58 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 England had $4.21 million in non-current loans and owned real-estate with $26.1 million in equity and loan loss allowances on hand to cover it. This gives Bank of England a Texas Ratio of 16.13% 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 England increased slightly from 7.81% as of December 31, 2010 to 16.13% as of December 31, 2011, resulting in a negative change of 106.62%. This indicates that the balance sheet and financial strength for Bank of England has declined slightly in recent periods. Deposit Growth In the past year, Bank of England has increased its total deposits by $22.71 million, resulting in 12.16% 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 England 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 England has $240.65 million in assets with $26.1 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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