Alma Exchange Bank & Trust

Alma Exchange Bank & Trust is headquartered in Alma and is the 192^nd largest bank in the state of Georgia. It is also the 5,228^th largest bank in the nation. It was established in 1939 and as of December of 2011, it had grown to 24 employees at 2 locations. Alma Exchange Bank & Trust has a 2-star health rating.

Data for Q4 2011

Institution Statistics Alma Exchange Bank & Trust FDIC Certificate # 15699 BankRate Report View Year Established 1939 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $89.45 million Loans $50.99 million Deposits $80.42 million Equity Capital $8.73 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $6.05 million Real Estate Owned $2.86 million Historic Data - December 2010 Assets $80.10 million Equity Capital $8.70 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $3.42 million Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.05% Return on Equity 0.44% Interest Income $3.46 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 Alma Exchange Bank & Trust had $8.91 million in non-current loans and owned real-estate with $9.88 million in equity and loan loss allowances on hand to cover it. This gives Alma Exchange Bank & Trust a Texas Ratio of 90.24% 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 Alma Exchange Bank & Trust increased slightly from 52.93% as of December 31, 2010 to 90.24% as of December 31, 2011, resulting in a negative change of 70.47%. This indicates that the balance sheet and financial strength for Alma Exchange Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Alma Exchange Bank & Trust has increased its total deposits by $9.29 million, resulting in 13.06% 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 Alma Exchange Bank & Trust 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. Alma Exchange Bank & Trust has $89.45 million in assets with $9.88 million in equity, resulting in a capitalization level of 11.04%, which is above average.

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