Brantley Bank and Trust Company

Brantley Bank and Trust Company is headquartered in Brantley and is the 124^th largest bank in the state of Alabama. It is also the 5,927^th largest bank in the nation. It was established in 1946 and as of December of 2011, it had grown to 21 employees at 2 locations. Brantley Bank and Trust Company has a 4-star health rating.

Data for Q4 2011

Institution Statistics Brantley Bank and Trust Company FDIC Certificate # 16386 BankRate Report View Year Established 1946 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $65.15 million Loans $24.34 million Deposits $53.95 million Equity Capital $10.06 million Loan Loss Allowance $633,000 Unbacked Noncurrent Loans $699,000 Real Estate Owned $513,000 Historic Data - December 2010 Assets $64.63 million Equity Capital $9.68 million Loan Loss Allowance $675,000 Unbacked Noncurrent Loans $1.23 million Real Estate Owned $145,000 Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.69% Return on Equity 4.56% Interest Income $2.75 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 Brantley Bank and Trust Company had $1.21 million in non-current loans and owned real-estate with $10.69 million in equity and loan loss allowances on hand to cover it. This gives Brantley Bank and Trust Company a Texas Ratio of 11.34% 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 Brantley Bank and Trust Company held steady from 13.26% as of December 31, 2010 to 11.34% as of December 31, 2011, resulting in a positive change of 14.49%.This indicates that the balance sheet and financial strength for Brantley Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, Brantley Bank and Trust Company has decreased its total deposits by $-516,000, resulting in -0.95% 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 Brantley Bank and Trust Company has shown is 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. Brantley Bank and Trust Company has $65.15 million in assets with $10.69 million in equity, resulting in a capitalization level of 16.41%, which is excellent.

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