Bank of Perry County

Bank of Perry County is headquartered in Lobelville and is the 126^th largest bank in the state of Tennessee. It is also the 3,960^th largest bank in the nation. It was established in 1905 and as of December of 2011, it had grown to 39 employees at 3 locations. Bank of Perry County has a 4-star health rating.

Bank of Perry County Routing Number: 064104162

Data for Q4 2011

Institution Statistics Bank of Perry County FDIC Certificate # 1713 BankRate Report View Year Established 1905 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $144.29 million Loans $118.51 million Deposits $113.66 million Equity Capital $13.97 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $2.05 million Historic Data - December 2010 Assets $133.40 million Equity Capital $13.80 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $2.30 million Real Estate Owned $2.05 million Profit Margin - Quarterly Net Interest Margin 5.61% Return on Assets 1.79% Return on Equity 17.9% Interest Income $8.59 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 Perry County had $3.36 million in non-current loans and owned real-estate with $15.59 million in equity and loan loss allowances on hand to cover it. This gives Bank of Perry County a Texas Ratio of 21.53% 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 Perry County decreased slightly from 28.55% as of December 31, 2010 to 21.53% as of December 31, 2011, resulting in a positive change of 24.59%.This indicates that the balance sheet and financial strength for Bank of Perry County has improved slightly in recent periods. Deposit Growth In the past year, Bank of Perry County has increased its total deposits by $6.16 million, resulting in 5.73% 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 Perry County 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 Perry County has $144.29 million in assets with $15.59 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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