The Riddell National Bank

The Riddell National Bank is headquartered in Brazil and is the 67^th largest bank in the state of Indiana. It is also the 3,211^st largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 58 employees at 4 locations. The Riddell National Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Riddell National Bank FDIC Certificate # 4318 BankRate Report View Year Established 1885 Employees 58 Primary Regulator OCC Assets and Liabilities Assets $193.42 million Loans $137.50 million Deposits $168.98 million Equity Capital $14.35 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $3.45 million Real Estate Owned $114,000 Historic Data - March 2011 Assets $174.48 million Equity Capital $13.79 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $3.87 million Real Estate Owned $353,000 Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets 0.88% Return on Equity 11.44% Interest Income $1.98 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 March 31, 2012 The Riddell National Bank had $3.57 million in non-current loans and owned real-estate with $15.93 million in equity and loan loss allowances on hand to cover it. This gives The Riddell National Bank a Texas Ratio of 22.40% 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 The Riddell National Bank decreased slightly from 27.92% as of March 31, 2011 to 22.40% as of March 31, 2012, resulting in a positive change of 19.76%.This indicates that the balance sheet and financial strength for The Riddell National Bank has improved slightly in recent periods. Deposit Growth In the past year, The Riddell National Bank has increased its total deposits by $15.51 million, resulting in 10.11% 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 Riddell National Bank 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. The Riddell National Bank has $193.42 million in assets with $15.93 million in equity, resulting in a capitalization level of 8.24%, which is average.

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