Durden Banking Company, Incorporated

Durden Banking Company, Incorporated is headquartered in Twin City and is the 103^rd largest bank in the state of Georgia. It is also the 3,556^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 47 employees at 3 locations. Durden Banking Company, Incorporated has a 4-star health rating.

Data for Q1 2012

Institution Statistics Durden Banking Company, Incorporated FDIC Certificate # 15336 BankRate Report View Year Established 1934 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $168.84 million Loans $98.20 million Deposits $148.21 million Equity Capital $20.13 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $3.64 million Real Estate Owned $1.26 million Historic Data - March 2011 Assets $161.05 million Equity Capital $18.10 million Loan Loss Allowance $2.64 million Unbacked Noncurrent Loans $2.70 million Real Estate Owned $1.98 million Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets 1.44% Return on Equity 11.59% Interest Income $1.98 million

Institution Health Overall Score: 4 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 Durden Banking Company, Incorporated had $4.9 million in non-current loans and owned real-estate with $22.79 million in equity and loan loss allowances on hand to cover it. This gives Durden Banking Company, Incorporated a Texas Ratio of 21.50% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Durden Banking Company, Incorporated held steady from 23.13% as of March 31, 2011 to 21.50% as of March 31, 2012, resulting in a positive change of 7.04%.This indicates that the balance sheet and financial strength for Durden Banking Company, Incorporated has held steady in recent periods. Deposit Growth In the past year, Durden Banking Company, Incorporated has increased its total deposits by $5.69 million, resulting in 3.99% 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 Durden Banking Company, Incorporated has shown is above 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. Durden Banking Company, Incorporated has $168.84 million in assets with $22.79 million in equity, resulting in a capitalization level of 13.50%, which is excellent.

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