Bank of Halls

Bank of Halls is headquartered in Halls and is the 167^th largest bank in the state of Tennessee. It is also the 5,615^st largest bank in the nation. It was established in 1899 and as of December of 2011, it had grown to 15 employees at 2 locations. Bank of Halls has a 5-star health rating.

Bank of Halls Routing Number: 084302452

Data for Q4 2011

Institution Statistics Bank of Halls FDIC Certificate # 10315 BankRate Report View Year Established 1899 Employees 15 Primary Regulator FED Assets and Liabilities Assets $75.44 million Loans $23.08 million Deposits $65.17 million Equity Capital $7.69 million Loan Loss Allowance $498,000 Unbacked Noncurrent Loans $534,000 Real Estate Owned $54,000 Historic Data - December 2010 Assets $64.27 million Equity Capital $6.80 million Loan Loss Allowance $411,000 Unbacked Noncurrent Loans $332,000 Real Estate Owned $77,000 Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 1.23% Return on Equity 11.36% Interest Income $2.81 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 Halls had $588,000 in non-current loans and owned real-estate with $8.19 million in equity and loan loss allowances on hand to cover it. This gives Bank of Halls a Texas Ratio of 7.18% 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 Halls held steady from 5.67% as of December 31, 2010 to 7.18% as of December 31, 2011, resulting in a negative change of 26.71%. This indicates that the balance sheet and financial strength for Bank of Halls has held steady in recent periods. Deposit Growth In the past year, Bank of Halls has increased its total deposits by $9.3 million, resulting in 16.64% 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 Halls 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 Halls has $75.44 million in assets with $8.19 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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