Embassy National Bank

Embassy National Bank is headquartered in Lawrenceville and is the 217^st largest bank in the state of Georgia. It is also the 6,253^rd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 16 employees at 1 location. Embassy National Bank's money market rates are 82% higher than the national average, and it has a 3-star health rating.

Embassy National Bank Routing Number: 061120903

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Data for Q1 2012

Institution Statistics Embassy National Bank FDIC Certificate # 58413 BankRate Report View Year Established 2007 Employees 16 Primary Regulator OCC Assets and Liabilities Assets $53.76 million Loans $35.78 million Deposits $45.14 million Equity Capital $8.38 million Loan Loss Allowance $1.26 million Unbacked Noncurrent Loans $2.66 million Real Estate Owned $3.33 million Historic Data - March 2011 Assets $64.17 million Equity Capital $8.14 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $1.84 million Real Estate Owned $5.69 million Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets -0.71% Return on Equity -4.56% Interest Income $613,000

Institution Health Overall Score: 3 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 Embassy National Bank had $5.98 million in non-current loans and owned real-estate with $9.64 million in equity and loan loss allowances on hand to cover it. This gives Embassy National Bank a Texas Ratio of 62.11% 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 Embassy National Bank decreased slightly from 79.75% as of March 31, 2011 to 62.11% as of March 31, 2012, resulting in a positive change of 22.12%.This indicates that the balance sheet and financial strength for Embassy National Bank has improved slightly in recent periods. Deposit Growth In the past year, Embassy National Bank has decreased its total deposits by -$8.08 million, resulting in -15.18% 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 Embassy National Bank has shown is poor. 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. Embassy National Bank has $53.76 million in assets with $9.64 million in equity, resulting in a capitalization level of 17.92%, which is excellent.

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