Bank of Ringgold

Bank of Ringgold is headquartered in Ringgold and is the 126^th largest bank in the state of Louisiana. It is also the 5,815^st largest bank in the nation. It was established in 1904 and as of December of 2011, it had grown to 17 employees at 3 locations. Bank of Ringgold has a 5-star health rating.

Bank of Ringgold Routing Number: 111102321

Data for Q4 2011

Institution Statistics Bank of Ringgold FDIC Certificate # 1377 BankRate Report View Year Established 1904 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $68.92 million Loans $16.11 million Deposits $53.75 million Equity Capital $9.37 million Loan Loss Allowance $521,000 Unbacked Noncurrent Loans $1.06 million Historic Data - December 2010 Assets $62.25 million Equity Capital $9.22 million Loan Loss Allowance $580,000 Unbacked Noncurrent Loans $1.01 million Profit Margin - Quarterly Net Interest Margin 2.54% Return on Assets 0.3% Return on Equity 2.09% Interest Income $1.70 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 Ringgold had $1.06 million in non-current loans and owned real-estate with $9.89 million in equity and loan loss allowances on hand to cover it. This gives Bank of Ringgold a Texas Ratio of 10.71% which is above 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 Ringgold held steady from 10.33% as of December 31, 2010 to 10.71% as of December 31, 2011, resulting in a negative change of 3.73%. This indicates that the balance sheet and financial strength for Bank of Ringgold has held steady in recent periods. Deposit Growth In the past year, Bank of Ringgold has increased its total deposits by $6.58 million, resulting in 13.95% 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 Ringgold 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 Ringgold has $68.92 million in assets with $9.89 million in equity, resulting in a capitalization level of 14.36%, which is excellent.

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