BNA Bank

BNA Bank is headquartered in New Albany and is the 23^rd largest bank in the state of Mississippi. It is also the 1,626^th largest bank in the nation. It was established in 1896 and as of December of 2011, it had grown to 88 employees at 5 locations. BNA Bank has a 4-star health rating.

BNA Bank Routing Number: 084201757

Data for Q4 2011

Institution Statistics BNA Bank FDIC Certificate # 19448 BankRate Report View Year Established 1896 Employees 88 Primary Regulator FDIC Assets and Liabilities Assets $406.74 million Loans $214.46 million Deposits $338.70 million Equity Capital $52.01 million Loan Loss Allowance $4.37 million Unbacked Noncurrent Loans $3.82 million Real Estate Owned $8.72 million Historic Data - December 2010 Assets $400.47 million Equity Capital $49.87 million Loan Loss Allowance $3.87 million Unbacked Noncurrent Loans $3.72 million Real Estate Owned $8.81 million Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 1.34% Return on Equity 10.39% Interest Income $19.07 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 BNA Bank had $12.54 million in non-current loans and owned real-estate with $56.37 million in equity and loan loss allowances on hand to cover it. This gives BNA Bank a Texas Ratio of 22.24% 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 BNA Bank held steady from 23.31% as of December 31, 2010 to 22.24% as of December 31, 2011, resulting in a positive change of 4.58%.This indicates that the balance sheet and financial strength for BNA Bank has held steady in recent periods. Deposit Growth In the past year, BNA Bank has increased its total deposits by $8.56 million, resulting in 2.59% 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 BNA Bank 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. BNA Bank has $406.74 million in assets with $56.37 million in equity, resulting in a capitalization level of 13.86%, which is excellent.

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