Altamaha Bank and Trust Company

Altamaha Bank and Trust Company is headquartered in Vidalia and is the 121^st largest bank in the state of Georgia. It is also the 3,898^th largest bank in the nation. It was established in 1966 and as of December of 2011, it had grown to 55 employees at 5 locations. Altamaha Bank and Trust Company has a 3-star health rating.

Data for Q4 2011

Institution Statistics Altamaha Bank and Trust Company FDIC Certificate # 19590 BankRate Report View Year Established 1966 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $147.86 million Loans $106.28 million Deposits $134.13 million Equity Capital $13.41 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $1.24 million Real Estate Owned $1.90 million Historic Data - December 2010 Assets $146.93 million Equity Capital $13.21 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $1.94 million Real Estate Owned $1.27 million Profit Margin - Quarterly Net Interest Margin 4.83% Return on Assets 0.12% Return on Equity 1.3% Interest Income $8.40 million

Institution Health Overall Score: 3 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 Altamaha Bank and Trust Company had $3.14 million in non-current loans and owned real-estate with $15.2 million in equity and loan loss allowances on hand to cover it. This gives Altamaha Bank and Trust Company a Texas Ratio of 20.66% 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 Altamaha Bank and Trust Company held steady from 21.63% as of December 31, 2010 to 20.66% as of December 31, 2011, resulting in a positive change of 4.46%.This indicates that the balance sheet and financial strength for Altamaha Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, Altamaha Bank and Trust Company has increased its total deposits by $705,000, resulting in 0.53% 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 Altamaha Bank and Trust Company has shown is 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. Altamaha Bank and Trust Company has $147.86 million in assets with $15.2 million in equity, resulting in a capitalization level of 10.28%, which is above average.

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