AB&T NATIONAL BANK

AB&T NATIONAL BANK is headquartered in Albany and is the 120^th largest bank in the state of Georgia. It is also the 3,888^th largest bank in the nation. It was established in 1999 and as of December of 2011, it had grown to 57 employees at 5 locations. AB&T NATIONAL BANK has a 2-star health rating.

Data for Q4 2011

Institution Statistics AB&T NATIONAL BANK FDIC Certificate # 35029 BankRate Report View Year Established 1999 Employees 57 Primary Regulator OCC Assets and Liabilities Assets $148.50 million Loans $102.46 million Deposits $123.36 million Equity Capital $10.86 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $2.45 million Real Estate Owned $1.54 million Historic Data - December 2010 Assets $146.90 million Equity Capital $11.59 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $2.60 million Real Estate Owned $1.26 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets -0.44% Return on Equity -5.59% Interest Income $6.43 million

Institution Health Overall Score: 2 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 AB&T NATIONAL BANK had $3.99 million in non-current loans and owned real-estate with $13.01 million in equity and loan loss allowances on hand to cover it. This gives AB&T NATIONAL BANK a Texas Ratio of 30.69% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for AB&T NATIONAL BANK held steady from 27.44% as of December 31, 2010 to 30.69% as of December 31, 2011, resulting in a negative change of 11.87%. This indicates that the balance sheet and financial strength for AB&T NATIONAL BANK has held steady in recent periods. Deposit Growth In the past year, AB&T NATIONAL BANK has decreased its total deposits by -$1.55 million, resulting in -1.24% 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 AB&T NATIONAL BANK has shown is below 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. AB&T NATIONAL BANK has $148.5 million in assets with $13.01 million in equity, resulting in a capitalization level of 8.76%, which is average.

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