Bank of Lumber City

Bank of Lumber City is headquartered in Lumber City and is the 240^th largest bank in the state of Georgia. It is also the 7,198^th largest bank in the nation. It was established in 1945 and as of December of 2011, it had grown to 13 employees at 2 locations. Bank of Lumber City has a 3-star health rating.

Bank of Lumber City Routing Number: 061212277

Data for Q4 2011

Institution Statistics Bank of Lumber City FDIC Certificate # 16281 BankRate Report View Year Established 1945 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $20.10 million Loans $11.69 million Deposits $15.82 million Equity Capital $3.92 million Loan Loss Allowance $137,000 Unbacked Noncurrent Loans $808,000 Real Estate Owned $300,000 Historic Data - December 2010 Assets $20.90 million Equity Capital $3.94 million Loan Loss Allowance $195,000 Unbacked Noncurrent Loans $657,000 Profit Margin - Quarterly Net Interest Margin 5.33% Return on Assets -0.65% Return on Equity -3.41% Interest Income $1.09 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 Lumber City had $1.11 million in non-current loans and owned real-estate with $4.06 million in equity and loan loss allowances on hand to cover it. This gives Bank of Lumber City a Texas Ratio of 27.30% which is 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 Lumber City increased slightly from 15.90% as of December 31, 2010 to 27.30% as of December 31, 2011, resulting in a negative change of 71.68%. This indicates that the balance sheet and financial strength for Bank of Lumber City has declined slightly in recent periods. Deposit Growth In the past year, Bank of Lumber City has decreased its total deposits by $-871,000, resulting in -5.22% 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 Lumber City 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 Lumber City has $20.1 million in assets with $4.06 million in equity, resulting in a capitalization level of 20.19%, which is excellent.

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