Bank of Little Rock

Bank of Little Rock is headquartered in Little Rock and is the 56^th largest bank in the state of Arkansas. It is also the 3,178^th largest bank in the nation. It was established in 1927 and as of December of 2012, it had grown to 78 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 Q4 2012

Institution Statistics Bank of Little Rock FDIC Certificate # 91280 BankRate Report View Year Established 1927 Employees 78 Primary Regulator FED Assets and Liabilities Assets $193.07 million Loans $106.14 million Deposits $173.42 million Equity Capital $18.75 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $2.02 million Real Estate Owned $3.66 million Historic Data - December 2011 Assets $182.18 million Equity Capital $17.20 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $1.96 million Real Estate Owned $4.64 million Profit Margin - Quarterly Net Interest Margin 4.65% Return on Assets 0.83% Return on Equity 8.49% Interest Income $9.15 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, 2012 Bank of Little Rock had $5.68 million in non-current loans and owned real-estate with $21.22 million in equity and loan loss allowances on hand to cover it. This gives Bank of Little Rock a Texas Ratio of 26.78% 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 slightly from 33.82% as of December 31, 2011 to 26.78% as of December 31, 2012, resulting in a positive change of 20.83%.This indicates that the balance sheet and financial strength for Bank of Little Rock has improved slightly in recent periods. Deposit Growth In the past year, Bank of Little Rock has increased its total deposits by $9.2 million, resulting in 5.6% 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 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 Little Rock has $193.07 million in assets with $21.22 million in equity, resulting in a capitalization level of 10.99%, which is above average.

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