Bank of Dawson

Bank of Dawson is headquartered in Dawson and is the 155^th largest bank in the state of Georgia. It is also the 4,509^th largest bank in the nation. It was established in 1911 and as of December of 2011, it had grown to 31 employees at 1 location. Bank of Dawson has a 5-star health rating.

Bank of Dawson Routing Number: 061207651

Data for Q4 2011

Institution Statistics Bank of Dawson FDIC Certificate # 876 BankRate Report View Year Established 1911 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $117.32 million Loans $59.69 million Deposits $98.26 million Equity Capital $18.22 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $1.16 million Real Estate Owned $974,000 Historic Data - December 2010 Assets $106.44 million Equity Capital $16.82 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.66 million Real Estate Owned $577,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 1.03% Return on Equity 6.47% Interest Income $5.71 million

Institution Health Overall Score: 5 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 Bank of Dawson had $2.13 million in non-current loans and owned real-estate with $19.51 million in equity and loan loss allowances on hand to cover it. This gives Bank of Dawson a Texas Ratio of 10.93% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Dawson held steady from 11.09% as of December 31, 2010 to 10.93% as of December 31, 2011, resulting in a positive change of 1.44%.This indicates that the balance sheet and financial strength for Bank of Dawson has held steady in recent periods. Deposit Growth In the past year, Bank of Dawson has increased its total deposits by $9.63 million, resulting in 10.87% 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 Dawson 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. Bank of Dawson has $117.32 million in assets with $19.51 million in equity, resulting in a capitalization level of 16.63%, which is excellent.

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