Community Bank and Trust - West Georgia

Community Bank and Trust - West Georgia is headquartered in Lagrange and is the 175^th largest bank in the state of Georgia. It is also the 5,053^rd largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 39 employees at 6 locations. Community Bank and Trust - West Georgia has a 1-star health rating.

Data for Q1 2012

Institution Statistics Community Bank and Trust - West Georgia FDIC Certificate # 25796 BankRate Report View Year Established 1984 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $96.33 million Loans $57.76 million Deposits $89.25 million Equity Capital $6.67 million Loan Loss Allowance $942,000 Unbacked Noncurrent Loans $3.61 million Real Estate Owned $13.49 million Historic Data - March 2011 Assets $98.71 million Equity Capital $8.07 million Loan Loss Allowance $817,000 Unbacked Noncurrent Loans $5.77 million Real Estate Owned $12.91 million Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets -0.07% Return on Equity -0.96% Interest Income $922,000

Institution Health Overall Score: 1 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 Community Bank and Trust - West Georgia had $17.1 million in non-current loans and owned real-estate with $7.61 million in equity and loan loss allowances on hand to cover it. This gives Community Bank and Trust - West Georgia a Texas Ratio of 224.66% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Bank and Trust - West Georgia held steady from 210.24% as of March 31, 2011 to 224.66% as of March 31, 2012, resulting in a negative change of 6.86%. This indicates that the balance sheet and financial strength for Community Bank and Trust - West Georgia has held steady in recent periods. Deposit Growth In the past year, Community Bank and Trust - West Georgia has decreased its total deposits by $-890,000, resulting in -0.99% 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 Community Bank and Trust - West Georgia 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. Community Bank and Trust - West Georgia has $96.33 million in assets with $7.61 million in equity, resulting in a capitalization level of 7.90%, which is below average.

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