Douglas County Bank (GA)

Douglas County Bank (GA) is headquartered in Douglasville and is the 48^th largest bank in the state of Georgia. It is also the 1,975^th largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 69 employees at 4 locations. Douglas County Bank (GA)'s money market rates are 25% higher than the national average, but it has a 1-star health rating.

Douglas County Bank (GA) Checking Account Rates

Douglas County Bank (GA) Savings Account Rates

Douglas County Bank (GA) Money Market Rates

Douglas County Bank (GA) CD Rates

Douglas County Bank (GA) IRA Rates

Data for Q1 2012

Institution Statistics Douglas County Bank FDIC Certificate # 21649 BankRate Report View Year Established 1974 Employees 69 Primary Regulator FDIC Assets and Liabilities Assets $330.13 million Loans $217.60 million Deposits $317.83 million Equity Capital $11.12 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $37.62 million Real Estate Owned $55.82 million Historic Data - March 2011 Assets $333.82 million Equity Capital $15.23 million Loan Loss Allowance $3.23 million Unbacked Noncurrent Loans $56.24 million Real Estate Owned $60.71 million Profit Margin - Quarterly Net Interest Margin 2.73% Return on Assets -3.31% Return on Equity -87% Interest Income $2.67 million

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 Douglas County Bank (GA) had $93.44 million in non-current loans and owned real-estate with $14.03 million in equity and loan loss allowances on hand to cover it. This gives Douglas County Bank (GA) a Texas Ratio of 666.19% 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 Douglas County Bank (GA) held steady from 633.75% as of March 31, 2011 to 666.19% as of March 31, 2012, resulting in a negative change of 5.12%. This indicates that the balance sheet and financial strength for Douglas County Bank (GA) has held steady in recent periods. Deposit Growth In the past year, Douglas County Bank (GA) has increased its total deposits by $745,000, resulting in 0.23% 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 Douglas County Bank (GA) 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. Douglas County Bank (GA) has $330.13 million in assets with $14.03 million in equity, resulting in a capitalization level of 4.25%, which is poor.

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