Anderson Brothers Bank

Anderson Brothers Bank is headquartered in Mullins and is the 19^st largest bank in the state of South Carolina. It is also the 1,542^nd largest bank in the nation. It was established in 1933 and as of December of 2011, it had grown to 185 employees at 19 locations. Anderson Brothers Bank has a 1-star health rating.

Anderson Brothers Bank Routing Number: 053206741

Data for Q4 2011

Institution Statistics Anderson Brothers Bank FDIC Certificate # 9923 BankRate Report View Year Established 1933 Employees 185 Primary Regulator FDIC Assets and Liabilities Assets $428.49 million Loans $316.17 million Deposits $394.30 million Equity Capital $32.50 million Loan Loss Allowance $7.35 million Unbacked Noncurrent Loans $29.50 million Real Estate Owned $10.48 million Historic Data - December 2010 Assets $472.91 million Equity Capital $34.18 million Loan Loss Allowance $10.12 million Unbacked Noncurrent Loans $30.90 million Real Estate Owned $4.78 million Profit Margin - Quarterly Net Interest Margin 6.61% Return on Assets -0.54% Return on Equity -7.34% Interest Income $30.87 million

Institution Health Overall Score: 1 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 Anderson Brothers Bank had $39.98 million in non-current loans and owned real-estate with $39.85 million in equity and loan loss allowances on hand to cover it. This gives Anderson Brothers Bank a Texas Ratio of 100.33% 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 Anderson Brothers Bank increased slightly from 80.53% as of December 31, 2010 to 100.33% as of December 31, 2011, resulting in a negative change of 24.59%. This indicates that the balance sheet and financial strength for Anderson Brothers Bank has declined slightly in recent periods. Deposit Growth In the past year, Anderson Brothers Bank has decreased its total deposits by -$41.89 million, resulting in -9.6% 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 Anderson Brothers Bank has shown is poor. 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. Anderson Brothers Bank has $428.49 million in assets with $39.85 million in equity, resulting in a capitalization level of 9.30%, which is average.

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