Cheaha Bank

Cheaha Bank is headquartered in Oxford and is the 64^th largest bank in the state of Alabama. It is also the 3,385^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 41 employees at 4 locations. Cheaha Bank has a 5-star health rating.

Cheaha Bank Routing Number: 062206376

Data for Q1 2012

Institution Statistics Cheaha Bank FDIC Certificate # 35514 BankRate Report View Year Established 2000 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $180.50 million Loans $93.46 million Deposits $150.57 million Equity Capital $16.99 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $455,000 Real Estate Owned $1.93 million Historic Data - March 2011 Assets $167.09 million Equity Capital $15.50 million Loan Loss Allowance $1.63 million Unbacked Noncurrent Loans $407,000 Real Estate Owned $2.61 million Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 1.07% Return on Equity 11.25% Interest Income $2.11 million

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 Cheaha Bank had $2.38 million in non-current loans and owned real-estate with $18.08 million in equity and loan loss allowances on hand to cover it. This gives Cheaha Bank a Texas Ratio of 13.16% 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 Cheaha Bank decreased slightly from 17.62% as of March 31, 2011 to 13.16% as of March 31, 2012, resulting in a positive change of 25.31%.This indicates that the balance sheet and financial strength for Cheaha Bank has improved slightly in recent periods. Deposit Growth In the past year, Cheaha Bank has increased its total deposits by $11.93 million, resulting in 8.61% 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 Cheaha Bank 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. Cheaha Bank has $180.5 million in assets with $18.08 million in equity, resulting in a capitalization level of 10.02%, which is above average.

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