Bank of Hancock County

Bank of Hancock County is headquartered in Sparta and is the 195^th largest bank in the state of Georgia. It is also the 5,298^th largest bank in the nation. It was established in 1904 and as of December of 2011, it had grown to 23 employees at 1 location. Bank of Hancock County has a 4-star health rating.

Bank of Hancock County Routing Number: 061107146

Data for Q4 2011

Institution Statistics Bank of Hancock County FDIC Certificate # 10057 BankRate Report View Year Established 1904 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $86.78 million Loans $37.48 million Deposits $68.67 million Equity Capital $17.88 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $2.16 million Real Estate Owned $185,000 Historic Data - December 2010 Assets $83.52 million Equity Capital $16.83 million Loan Loss Allowance $979,000 Unbacked Noncurrent Loans $2.08 million Real Estate Owned $100,000 Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.6% Return on Equity 2.95% Interest Income $4.14 million

Institution Health Overall Score: 4 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 Hancock County had $2.34 million in non-current loans and owned real-estate with $19.12 million in equity and loan loss allowances on hand to cover it. This gives Bank of Hancock County a Texas Ratio of 12.24% 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 Hancock County held steady from 12.25% as of December 31, 2010 to 12.24% as of December 31, 2011, resulting in a positive change of 0.05%.This indicates that the balance sheet and financial strength for Bank of Hancock County has held steady in recent periods. Deposit Growth In the past year, Bank of Hancock County has increased its total deposits by $2.21 million, resulting in 3.32% 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 Hancock County has shown is above 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 Hancock County has $86.78 million in assets with $19.12 million in equity, resulting in a capitalization level of 22.04%, which is excellent.

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