Bank of Monticello

Bank of Monticello is headquartered in Monticello and is the 180^th largest bank in the state of Georgia. It is also the 5,036^th largest bank in the nation. It was established in 1909 and as of December of 2011, it had grown to 20 employees at 1 location. Bank of Monticello has a 2-star health rating.

Bank of Monticello Routing Number: 061103315

Data for Q4 2011

Institution Statistics Bank of Monticello FDIC Certificate # 2145 BankRate Report View Year Established 1909 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $95.85 million Loans $69.13 million Deposits $88.21 million Equity Capital $7.25 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $3.40 million Real Estate Owned $1.40 million Historic Data - December 2010 Assets $98.32 million Equity Capital $7.24 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $3.68 million Real Estate Owned $286,000 Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets -0.19% Return on Equity -2.48% Interest Income $4.77 million

Institution Health Overall Score: 2 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 Monticello had $4.8 million in non-current loans and owned real-estate with $8.46 million in equity and loan loss allowances on hand to cover it. This gives Bank of Monticello a Texas Ratio of 56.72% 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 Monticello increased slightly from 46.85% as of December 31, 2010 to 56.72% as of December 31, 2011, resulting in a negative change of 21.07%. This indicates that the balance sheet and financial strength for Bank of Monticello has declined slightly in recent periods. Deposit Growth In the past year, Bank of Monticello has decreased its total deposits by -$2.31 million, resulting in -2.56% 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 Monticello has shown is below 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 Monticello has $95.85 million in assets with $8.46 million in equity, resulting in a capitalization level of 8.82%, which is average.

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