EvaBank

EvaBank is headquartered in Eva and is the 27^th largest bank in the state of Alabama. It is also the 1,868^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 85 employees at 5 locations. EvaBank has a 2-star health rating.

Data for Q1 2012

Institution Statistics EvaBank FDIC Certificate # 26799 BankRate Report View Year Established 1986 Employees 85 Primary Regulator FDIC Assets and Liabilities Assets $353.39 million Loans $256.69 million Deposits $310.44 million Equity Capital $26.50 million Loan Loss Allowance $5.05 million Unbacked Noncurrent Loans $6.08 million Real Estate Owned $14.00 million Historic Data - March 2011 Assets $371.91 million Equity Capital $21.16 million Loan Loss Allowance $8.12 million Unbacked Noncurrent Loans $8.12 million Real Estate Owned $17.92 million Profit Margin - Quarterly Net Interest Margin 5.51% Return on Assets 2.05% Return on Equity 28.35% Interest Income $5.99 million

Institution Health Overall Score: 2 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 EvaBank had $20.08 million in non-current loans and owned real-estate with $31.56 million in equity and loan loss allowances on hand to cover it. This gives EvaBank a Texas Ratio of 63.63% 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 EvaBank decreased slightly from 88.95% as of March 31, 2011 to 63.63% as of March 31, 2012, resulting in a positive change of 28.47%.This indicates that the balance sheet and financial strength for EvaBank has improved slightly in recent periods. Deposit Growth In the past year, EvaBank has decreased its total deposits by -$23.78 million, resulting in -7.12% 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 EvaBank 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. EvaBank has $353.39 million in assets with $31.56 million in equity, resulting in a capitalization level of 8.93%, which is average.

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