Institution Statistics
| Chattahoochee Bank of Georgia | | FDIC Certificate # | 58810 | | BankRate Report | View | | Year Established | 2008 | | Employees | 16 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $89.15 million | | Loans | $57.85 million | | Deposits | $65.15 million | | Equity Capital | $18.25 million | | Loan Loss Allowance | $770,000 |
Historic Data - March 2011 | | Assets | $77.50 million | | Equity Capital | $17.82 million | | Loan Loss Allowance | $603,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.97% | | Return on Assets | 1.43% | | Return on Equity | 7.07% | | Interest Income | $919,000 |
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Institution Health
Overall Score:
5 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 March 31, 2012 Chattahoochee Bank of Georgia had $0 in non-current loans and owned real-estate with $19.02 million in equity and loan loss allowances on hand to cover it. This gives Chattahoochee Bank of Georgia a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Chattahoochee Bank of Georgia has increased its total deposits by $5.61 million, resulting in 9.42% 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 Chattahoochee Bank of Georgia 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. Chattahoochee Bank of Georgia has $89.15 million in assets with $19.02 million in equity, resulting in a capitalization level of 21.34%, which is excellent. |
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