Bank of Early

Bank of Early is headquartered in Blakely and is the 197^th largest bank in the state of Georgia. It is also the 5,364^th largest bank in the nation. It was established in 1939 and as of December of 2011, it had grown to 25 employees at 3 locations. Bank of Early has a 3-star health rating.

Bank of Early Routing Number: 061212002

Data for Q4 2011

Institution Statistics Bank of Early FDIC Certificate # 15813 BankRate Report View Year Established 1939 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $84.39 million Loans $54.92 million Deposits $73.15 million Equity Capital $9.92 million Loan Loss Allowance $922,000 Unbacked Noncurrent Loans $2.67 million Real Estate Owned $769,000 Historic Data - December 2010 Assets $84.03 million Equity Capital $9.02 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $1.86 million Real Estate Owned $734,000 Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.93% Return on Equity 8.25% Interest Income $4.13 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 Early had $3.44 million in non-current loans and owned real-estate with $10.84 million in equity and loan loss allowances on hand to cover it. This gives Bank of Early a Texas Ratio of 31.74% 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 Early increased slightly from 22.17% as of December 31, 2010 to 31.74% as of December 31, 2011, resulting in a negative change of 43.14%. This indicates that the balance sheet and financial strength for Bank of Early has declined slightly in recent periods. Deposit Growth In the past year, Bank of Early has decreased its total deposits by $-677,000, resulting in -0.92% 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 Early has shown is average. 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 Early has $84.39 million in assets with $10.84 million in equity, resulting in a capitalization level of 12.85%, which is excellent.

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