The Bank of Perry

The Bank of Perry is headquartered in Perry and is the 158^th largest bank in the state of Georgia. It is also the 4,588^th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 30 employees at 2 locations. The Bank of Perry has a 1-star health rating.

The Bank of Perry Routing Number: 061104644

The Bank of Perry Checking Account Rates

The Bank of Perry Savings Account Rates

The Bank of Perry Money Market Rates

Data for Q1 2012

Institution Statistics The Bank of Perry FDIC Certificate # 8480 BankRate Report View Year Established 1889 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $114.76 million Loans $83.14 million Deposits $102.11 million Equity Capital $7.39 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $8.40 million Real Estate Owned $3.11 million Historic Data - March 2011 Assets $120.43 million Equity Capital $6.94 million Loan Loss Allowance $2.31 million Unbacked Noncurrent Loans $5.29 million Real Estate Owned $4.34 million Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 0.57% Return on Equity 9.02% Interest Income $1.24 million

Institution Health Overall Score: 1 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, 2012 The Bank of Perry had $11.5 million in non-current loans and owned real-estate with $9.47 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Perry a Texas Ratio of 121.44% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank of Perry increased slightly from 104.19% as of March 31, 2011 to 121.44% as of March 31, 2012, resulting in a negative change of 16.56%. This indicates that the balance sheet and financial strength for The Bank of Perry has declined slightly in recent periods. Deposit Growth In the past year, The Bank of Perry has decreased its total deposits by -$6.17 million, resulting in -5.7% 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 The Bank of Perry has shown is poor. 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. The Bank of Perry has $114.76 million in assets with $9.47 million in equity, resulting in a capitalization level of 8.25%, which is average.

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