Bank of Moundville

Bank of Moundville is headquartered in Moundville and is the 91^st largest bank in the state of Alabama. It is also the 4,786^th largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 16 employees at 1 location. Bank of Moundville has a 4-star health rating.

Bank of Moundville Routing Number: 062203285

Data for Q4 2011

Institution Statistics Bank of Moundville FDIC Certificate # 9057 BankRate Report View Year Established 1907 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $106.22 million Loans $21.79 million Deposits $95.17 million Equity Capital $9.36 million Loan Loss Allowance $260,000 Unbacked Noncurrent Loans $192,000 Real Estate Owned $2.01 million Historic Data - December 2010 Assets $98.97 million Equity Capital $6.73 million Loan Loss Allowance $268,000 Unbacked Noncurrent Loans $1.16 million Real Estate Owned $1.40 million Profit Margin - Quarterly Net Interest Margin 2.84% Return on Assets 0.83% Return on Equity 10.39% Interest Income $3.91 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 Moundville had $2.21 million in non-current loans and owned real-estate with $9.62 million in equity and loan loss allowances on hand to cover it. This gives Bank of Moundville a Texas Ratio of 22.94% 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 Moundville decreased slightly from 36.54% as of December 31, 2010 to 22.94% as of December 31, 2011, resulting in a positive change of 37.23%.This indicates that the balance sheet and financial strength for Bank of Moundville has improved slightly in recent periods. Deposit Growth In the past year, Bank of Moundville has increased its total deposits by $3.19 million, resulting in 3.47% 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 Moundville 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 Moundville has $106.22 million in assets with $9.62 million in equity, resulting in a capitalization level of 9.05%, which is average.

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