Atlantic National Bank

Atlantic National Bank is headquartered in Brunswick and is the 108^th largest bank in the state of Georgia. It is also the 3,573^rd largest bank in the nation. It was established in 1998 and as of December of 2011, it had grown to 38 employees at 3 locations. Atlantic National Bank has a 2-star health rating.

Atlantic National Bank Routing Number: 061219584

Data for Q4 2011

Institution Statistics Atlantic National Bank FDIC Certificate # 34677 BankRate Report View Year Established 1998 Employees 38 Primary Regulator OCC Assets and Liabilities Assets $165.93 million Loans $113.32 million Deposits $146.13 million Equity Capital $12.51 million Loan Loss Allowance $3.62 million Unbacked Noncurrent Loans $6.57 million Real Estate Owned $3.97 million Historic Data - December 2010 Assets $183.28 million Equity Capital $12.45 million Loan Loss Allowance $5.16 million Unbacked Noncurrent Loans $7.82 million Real Estate Owned $3.75 million Profit Margin - Quarterly Net Interest Margin 3.1% Return on Assets -0.41% Return on Equity -5.94% Interest Income $7.26 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 Atlantic National Bank had $10.54 million in non-current loans and owned real-estate with $16.13 million in equity and loan loss allowances on hand to cover it. This gives Atlantic National Bank a Texas Ratio of 65.36% 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 Atlantic National Bank held steady from 65.70% as of December 31, 2010 to 65.36% as of December 31, 2011, resulting in a positive change of 0.53%.This indicates that the balance sheet and financial strength for Atlantic National Bank has held steady in recent periods. Deposit Growth In the past year, Atlantic National Bank has decreased its total deposits by -$17.07 million, resulting in -10.46% 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 Atlantic National 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. Atlantic National Bank has $165.93 million in assets with $16.13 million in equity, resulting in a capitalization level of 9.72%, which is average.

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