Escambia County Bank

Escambia County Bank is headquartered in Flomaton and is the 106^th largest bank in the state of Alabama. It is also the 5,279^th largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 19 employees at 1 location. Escambia County Bank has a 4-star health rating.

Escambia County Bank Routing Number: 062105244

Data for Q1 2012

Institution Statistics Escambia County Bank FDIC Certificate # 1746 BankRate Report View Year Established 1924 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $87.63 million Loans $22.91 million Deposits $72.56 million Equity Capital $10.81 million Loan Loss Allowance $645,000 Unbacked Noncurrent Loans $609,000 Real Estate Owned $976,000 Historic Data - March 2011 Assets $96.88 million Equity Capital $9.73 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $1.63 million Profit Margin - Quarterly Net Interest Margin 2.96% Return on Assets 0.36% Return on Equity 2.94% Interest Income $759,000

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 Escambia County Bank had $1.58 million in non-current loans and owned real-estate with $11.46 million in equity and loan loss allowances on hand to cover it. This gives Escambia County Bank a Texas Ratio of 13.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Escambia County Bank held steady from 15.07% as of March 31, 2011 to 13.84% as of March 31, 2012, resulting in a positive change of 8.21%.This indicates that the balance sheet and financial strength for Escambia County Bank has held steady in recent periods. Deposit Growth In the past year, Escambia County Bank has decreased its total deposits by -$1.54 million, resulting in -2.08% 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 Escambia County 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. Escambia County Bank has $87.63 million in assets with $11.46 million in equity, resulting in a capitalization level of 13.07%, which is excellent.

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