3 star ratingAverage User Rating:
3 star rating based on 2 reviews.

Bank of Camilla

Bank of Camilla Locations
50 East Broad Street
Camilla, GA 31730
www.bankofcamilla.net

FDIC

Bank of Camilla is headquartered in Camilla and is the 156th largest bank in the state of Georgia. It is also the 4,702nd largest bank in the nation. It was established in 1890 and as of December of 2012, it had grown to 31 employees at 2 locations. Bank of Camilla has a 3-star health rating.

Bank of Camilla Routing Number: 061202944


Data for Q4 2012


Institution Statistics


Bank of Camilla
FDIC Certificate #17190
BankRate ReportView
Year Established1890
Employees31
Primary RegulatorFDIC

Assets and Liabilities

Assets$107.21 million
Loans$44.13 million
Deposits$92.58 million
Equity Capital$13.97 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$7.98 million
Real Estate Owned$2.26 million

Historic Data - December 2011

Assets$105.46 million
Equity Capital$12.97 million
Loan Loss Allowance$1.87 million
Unbacked Noncurrent Loans$8.68 million
Real Estate Owned$1.25 million

Profit Margin - Quarterly

Net Interest Margin3.61%
Return on Assets0.52%
Return on Equity3.98%
Interest Income$4.11 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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, 2012 Bank of Camilla had $10.24 million in non-current loans and owned real-estate with $15.3 million in equity and loan loss allowances on hand to cover it. This gives Bank of Camilla a Texas Ratio of 66.97% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Bank of Camilla held steady from 66.93% as of December 31, 2011 to 66.97% as of December 31, 2012, resulting in a negative change of 0.05%. This indicates that the balance sheet and financial strength for Bank of Camilla has held steady in recent periods.
Deposit Growth4
In the past year, Bank of Camilla has increased its total deposits by $3.44 million, resulting in 3.86% 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 Bank of Camilla has shown is above average.
Capitalization5
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. Bank of Camilla has $107.21 million in assets with $15.3 million in equity, resulting in a capitalization level of 14.27%, which is excellent.
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Doing Business With The Bank Of Camilla
1 stars - beetlebug66 - Sunday, May 6, 2012 - 12:54 AM

This bank is the absolute worst bank to deal with. If you're looking for some place to get a loan DO NOT go to this place. They'll yank you around for MONTHS without accomplishing anything. A lot of the people that work there don't even act like they know what is going on. They deal with this type stuff everyday. It's absolutely ridiculous. I would not recommend this place to anyone.

 

3

Excellent Customer Service
5 stars - cindypank - Sunday, March 10, 2013 - 10:53 AM

I disagree with the other reviewer.  We've had excellent customer service from this bank and its employees. We are in the middle of a mortgage loan and so far the process has been flawless (if that changes I'll repost).  We have no indication that our level of excellent service will decrease and look forward to doing business with Bank of Camilla for years to come.

1
 
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