BankSouth (GA)

BankSouth (GA) is headquartered in Greensboro and is the 44^th largest bank in the state of Georgia. It is also the 1,890^th largest bank in the nation. It was established in 1946 and as of December of 2011, it had grown to 136 employees at 4 locations. BankSouth (GA) has a 4-star health rating.

Data for Q4 2011

Institution Statistics BankSouth OTS # 13480 FDIC Certificate # 16418 BankRate Report View Year Established 1946 Employees 136 Primary Regulator OCC Assets and Liabilities Assets $345.86 million Loans $227.14 million Deposits $295.99 million Equity Capital $32.33 million Loan Loss Allowance $3.47 million Unbacked Noncurrent Loans $6.60 million Real Estate Owned $9.49 million Historic Data - December 2010 Assets $249.71 million Equity Capital $27.26 million Loan Loss Allowance $2.23 million Unbacked Noncurrent Loans $6.06 million Real Estate Owned $10.77 million Profit Margin - Quarterly Net Interest Margin 5.23% Return on Assets 1.72% Return on Equity 18.12% Interest Income $16.83 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 BankSouth (GA) had $16.09 million in non-current loans and owned real-estate with $35.8 million in equity and loan loss allowances on hand to cover it. This gives BankSouth (GA) a Texas Ratio of 44.96% 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 BankSouth (GA) decreased slightly from 57.08% as of December 31, 2010 to 44.96% as of December 31, 2011, resulting in a positive change of 21.23%.This indicates that the balance sheet and financial strength for BankSouth (GA) has improved slightly in recent periods. Deposit Growth In the past year, BankSouth (GA) has increased its total deposits by $86.02 million, resulting in 40.97% 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 BankSouth (GA) has shown is excellent. 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. BankSouth (GA) has $345.86 million in assets with $35.8 million in equity, resulting in a capitalization level of 10.35%, which is above average.

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