The Little Bank, Incorporated

The Little Bank, Incorporated is headquartered in Kinston and is the 42^nd largest bank in the state of North Carolina. It is also the 2,103^rd largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 60 employees at 6 locations. The Little Bank, Incorporated has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Little Bank, Incorporated FDIC Certificate # 34934 BankRate Report View Year Established 1998 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $309.90 million Loans $195.90 million Deposits $251.56 million Equity Capital $35.44 million Loan Loss Allowance $4.04 million Unbacked Noncurrent Loans $1.16 million Real Estate Owned $1.15 million Historic Data - March 2011 Assets $307.42 million Equity Capital $32.84 million Loan Loss Allowance $3.96 million Unbacked Noncurrent Loans $1.09 million Real Estate Owned $2.02 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.83% Return on Equity 7.36% Interest Income $3.26 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 March 31, 2012 The Little Bank, Incorporated had $2.31 million in non-current loans and owned real-estate with $39.48 million in equity and loan loss allowances on hand to cover it. This gives The Little Bank, Incorporated a Texas Ratio of 5.84% 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 The Little Bank, Incorporated decreased slightly from 8.43% as of March 31, 2011 to 5.84% as of March 31, 2012, resulting in a positive change of 30.72%.This indicates that the balance sheet and financial strength for The Little Bank, Incorporated has improved slightly in recent periods. Deposit Growth In the past year, The Little Bank, Incorporated has increased its total deposits by $5.53 million, resulting in 2.25% 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 Little Bank, Incorporated 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. The Little Bank, Incorporated has $309.9 million in assets with $39.48 million in equity, resulting in a capitalization level of 12.74%, which is excellent.

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