Bank of Dooly

Bank of Dooly is headquartered in Vienna and is the 156^th largest bank in the state of Georgia. It is also the 4,550^th largest bank in the nation. It was established in 1976 and as of December of 2011, it had grown to 23 employees at 1 location. Bank of Dooly has a 3-star health rating.

Bank of Dooly Routing Number: 061202685

Data for Q4 2011

Institution Statistics Bank of Dooly FDIC Certificate # 22309 BankRate Report View Year Established 1976 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $115.61 million Loans $74.04 million Deposits $101.61 million Equity Capital $13.72 million Loan Loss Allowance $2.44 million Unbacked Noncurrent Loans $5.20 million Real Estate Owned $2.66 million Historic Data - December 2010 Assets $124.83 million Equity Capital $15.61 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $5.89 million Real Estate Owned $4.42 million Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets -1.64% Return on Equity -12.79% Interest Income $5.24 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 Bank of Dooly had $7.86 million in non-current loans and owned real-estate with $16.16 million in equity and loan loss allowances on hand to cover it. This gives Bank of Dooly a Texas Ratio of 48.63% 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 Bank of Dooly decreased slightly from 60.49% as of December 31, 2010 to 48.63% as of December 31, 2011, resulting in a positive change of 19.60%.This indicates that the balance sheet and financial strength for Bank of Dooly has improved slightly in recent periods. Deposit Growth In the past year, Bank of Dooly has decreased its total deposits by -$7.18 million, resulting in -6.6% 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 Bank of Dooly 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. Bank of Dooly has $115.61 million in assets with $16.16 million in equity, resulting in a capitalization level of 13.98%, which is excellent.

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