Bank of Ripley

Bank of Ripley is headquartered in Ripley and is the 96^th largest bank in the state of Tennessee. It is also the 3,208^th largest bank in the nation. It was established in 1939 and as of September of 2011, it had grown to 64 employees at 4 locations. Bank of Ripley has a 5-star health rating.

Bank of Ripley Routing Number: 084308003

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Data for Q3 2011

Institution Statistics Bank of Ripley FDIC Certificate # 15673 BankRate Report View Year Established 1939 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $191.94 million Loans $89.92 million Deposits $159.73 million Equity Capital $30.69 million Loan Loss Allowance $808,000 Unbacked Noncurrent Loans $923,000 Real Estate Owned $2.50 million Historic Data - September 2010 Assets $174.75 million Equity Capital $28.81 million Loan Loss Allowance $870,000 Unbacked Noncurrent Loans $1.10 million Real Estate Owned $3.10 million Profit Margin - Quarterly Net Interest Margin 4.34% Return on Assets 0.83% Return on Equity 5.46% Interest Income $6.86 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 September 30, 2011 Bank of Ripley had $3.43 million in non-current loans and owned real-estate with $31.5 million in equity and loan loss allowances on hand to cover it. This gives Bank of Ripley a Texas Ratio of 10.88% 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 Ripley decreased slightly from 14.15% as of September 30, 2010 to 10.88% as of September 30, 2011, resulting in a positive change of 23.14%.This indicates that the balance sheet and financial strength for Bank of Ripley has improved slightly in recent periods. Deposit Growth In the past year, Bank of Ripley has increased its total deposits by $15.03 million, resulting in 10.39% 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 Ripley 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 Ripley has $191.94 million in assets with $31.5 million in equity, resulting in a capitalization level of 16.41%, which is excellent.