Eastside Commercial Bank

Eastside Commercial Bank is headquartered in Conyers and is the 89^th largest bank in the state of Georgia. It is also the 3,117^st largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 21 employees at 2 locations. Eastside Commercial Bank has a 1-star health rating.

Data for Q1 2012

Institution Statistics Eastside Commercial Bank FDIC Certificate # 58125 BankRate Report View Year Established 2005 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $199.86 million Loans $127.02 million Deposits $187.61 million Equity Capital $7.79 million Loan Loss Allowance $5.23 million Unbacked Noncurrent Loans $15.90 million Real Estate Owned $16.69 million Historic Data - March 2011 Assets $212.00 million Equity Capital $13.50 million Loan Loss Allowance $4.32 million Unbacked Noncurrent Loans $9.27 million Real Estate Owned $21.36 million Profit Margin - Quarterly Net Interest Margin 2.55% Return on Assets -2.5% Return on Equity -58.36% Interest Income $1.64 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 Eastside Commercial Bank had $32.59 million in non-current loans and owned real-estate with $13.02 million in equity and loan loss allowances on hand to cover it. This gives Eastside Commercial Bank a Texas Ratio of 250.25% 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 Eastside Commercial Bank increased slightly from 171.88% as of March 31, 2011 to 250.25% as of March 31, 2012, resulting in a negative change of 45.59%. This indicates that the balance sheet and financial strength for Eastside Commercial Bank has declined slightly in recent periods. Deposit Growth In the past year, Eastside Commercial Bank has decreased its total deposits by -$1.96 million, resulting in -1.03% 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 Eastside Commercial 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. Eastside Commercial Bank has $199.86 million in assets with $13.02 million in equity, resulting in a capitalization level of 6.52%, which is below average.

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