Sunrise Bank (GA)

Sunrise Bank (GA) is headquartered in Valdosta and is the 199^th largest bank in the state of Georgia. It is also the 5,450^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 27 employees at 3 locations. Sunrise Bank (GA) has a 1-star health rating.

Data for Q4 2011

Institution Statistics Sunrise Bank FDIC Certificate # 58185 BankRate Report View Year Established 2006 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $81.13 million Loans $58.12 million Deposits $75.10 million Equity Capital $1.81 million Loan Loss Allowance $4.08 million Unbacked Noncurrent Loans $5.54 million Real Estate Owned $8.85 million Historic Data - December 2010 Assets $112.87 million Equity Capital $2.49 million Loan Loss Allowance $4.37 million Unbacked Noncurrent Loans $8.55 million Real Estate Owned $7.47 million Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets -5.8% Return on Equity -275.6% Interest Income $4.01 million

Institution Health Overall Score: 1 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 Sunrise Bank (GA) had $14.39 million in non-current loans and owned real-estate with $5.9 million in equity and loan loss allowances on hand to cover it. This gives Sunrise Bank (GA) a Texas Ratio of 244.05% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sunrise Bank (GA) held steady from 219.32% as of December 31, 2010 to 244.05% as of December 31, 2011, resulting in a negative change of 11.27%. This indicates that the balance sheet and financial strength for Sunrise Bank (GA) has held steady in recent periods. Deposit Growth In the past year, Sunrise Bank (GA) has decreased its total deposits by -$27.97 million, resulting in -27.13% 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 Sunrise Bank (GA) 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. Sunrise Bank (GA) has $81.12 million in assets with $5.9 million in equity, resulting in a capitalization level of 7.27%, which is below average.

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