Colony Bank

Colony Bank is headquartered in Fitzgerald and is the 13^st largest bank in the state of Georgia. It is also the 561^st largest bank in the nation. It was established in 1976 and as of March of 2012, it had grown to 301 employees at 29 locations. Colony Bank has a 2-star health rating.

Data for Q1 2012

Institution Statistics Colony Bank FDIC Certificate # 22257 BankRate Report View Year Established 1976 Employees 301 Primary Regulator FDIC Assets and Liabilities Assets $1.17 billion Loans $690.53 million Deposits $994.83 million Equity Capital $118.63 million Loan Loss Allowance $15.91 million Unbacked Noncurrent Loans $38.05 million Real Estate Owned $20.99 million Historic Data - March 2011 Assets $1.24 billion Equity Capital $112.14 million Loan Loss Allowance $22.47 million Unbacked Noncurrent Loans $28.64 million Real Estate Owned $21.09 million Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 0.25% Return on Equity 2.52% Interest Income $12.19 million

Institution Health Overall Score: 2 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 Colony Bank had $59.04 million in non-current loans and owned real-estate with $134.54 million in equity and loan loss allowances on hand to cover it. This gives Colony Bank a Texas Ratio of 43.89% 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 Colony Bank increased slightly from 36.83% as of March 31, 2011 to 43.89% as of March 31, 2012, resulting in a negative change of 19.16%. This indicates that the balance sheet and financial strength for Colony Bank has declined slightly in recent periods. Deposit Growth In the past year, Colony Bank has decreased its total deposits by -$38.33 million, resulting in -3.71% 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 Colony Bank has shown is below 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. Colony Bank has $1.17 billion in assets with $134.54 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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