Institution Statistics
| FDIC Certificate # | 15673 | | BankRate Report | View | | Year Established | 1939 | | Employees | 65 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $179.32 million | | Loans | $79.39 million | | Deposits | $150.95 million | | Equity Capital | $27.34 million | | Loan Loss Allowance | $793,000 | | Unbacked Noncurrent Loans | $949,000 | | Real Estate Owned | $3.40 million |
Historic Data - March 2009 | | Assets | $179.30 million | | Equity Capital | $26.65 million | | Loan Loss Allowance | $793,000 | | Unbacked Noncurrent Loans | $1.76 million | | Real Estate Owned | $2.97 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.29% | | Return on Assets | 0.08% | | Return on Equity | 0.54% | | Interest Income | $2.17 million |
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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 March 31, 2010 Bank of Ripley had $4.35 million in non-current loans and owned real-estate with $28.13 million in equity and loan loss allowances on hand to cover it. This gives Bank of Ripley a Texas Ratio of 15.47% which is excellent. 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 17.23% as of March 31, 2009 to 15.47% as of March 31, 2010, resulting in a positive change of 10.20%.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 decreased it's total deposits by $-588,000, resulting in -0.39% 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 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 Ripley has $179.32 million in assets with $28.13 million in equity, resulting in a capitalization level of 15.69%, which is above average. |
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