Bank of Little Rock

Bank of Little Rock is headquartered in Little Rock and is the 65^th largest bank in the state of Arkansas. It is also the 3,417^st largest bank in the nation. It was established in 1927 and as of September of 2011, it had grown to 72 employees at 5 locations. Bank of Little Rock's savings rates are 3X the national average, and it has a 4-star health rating.

Bank of Little Rock Routing Number: 082001687

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Data for Q3 2011

Institution Statistics Bank of Little Rock FDIC Certificate # 91280 BankRate Report View Year Established 1927 Employees 72 Primary Regulator FED Assets and Liabilities Assets $176.52 million Loans $116.37 million Deposits $158.37 million Equity Capital $17.14 million Loan Loss Allowance $2.26 million Unbacked Noncurrent Loans $720,000 Real Estate Owned $4.45 million Historic Data - September 2010 Assets $176.90 million Equity Capital $16.58 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $4.33 million Real Estate Owned $5.83 million Profit Margin - Quarterly Net Interest Margin 5.03% Return on Assets 0.45% Return on Equity 4.64% Interest Income $7.24 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 September 30, 2011 Bank of Little Rock had $5.17 million in non-current loans and owned real-estate with $19.4 million in equity and loan loss allowances on hand to cover it. This gives Bank of Little Rock a Texas Ratio of 26.67% 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 Little Rock decreased significantly from 55.72% as of September 30, 2010 to 26.67% as of September 30, 2011, resulting in a positive change of 52.14%.This indicates that the balance sheet and financial strength for Bank of Little Rock has improved significantly in recent periods. Deposit Growth In the past year, Bank of Little Rock has increased its total deposits by $5.81 million, resulting in 3.81% 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 Little Rock has shown is above average. 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 Little Rock has $176.52 million in assets with $19.4 million in equity, resulting in a capitalization level of 10.99%, which is above average.

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