Exchange Bank

Exchange Bank is headquartered in Milledgeville and is the 77^th largest bank in the state of Georgia. It is also the 2,837^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 76 employees at 5 locations. Exchange Bank has a 3-star health rating.

Exchange Bank Routing Number: 061101786

Data for Q1 2012

Institution Statistics Exchange Bank FDIC Certificate # 160 BankRate Report View Year Established 1903 Employees 76 Primary Regulator FDIC Assets and Liabilities Assets $225.05 million Loans $116.29 million Deposits $199.01 million Equity Capital $21.46 million Loan Loss Allowance $3.66 million Unbacked Noncurrent Loans $3.06 million Real Estate Owned $5.48 million Historic Data - March 2011 Assets $230.06 million Equity Capital $21.35 million Loan Loss Allowance $2.77 million Unbacked Noncurrent Loans $8.20 million Real Estate Owned $8.09 million Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.97% Return on Equity 10.1% Interest Income $2.33 million

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 Exchange Bank had $8.54 million in non-current loans and owned real-estate with $25.12 million in equity and loan loss allowances on hand to cover it. This gives Exchange Bank a Texas Ratio of 33.98% 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 Exchange Bank decreased significantly from 67.53% as of March 31, 2011 to 33.98% as of March 31, 2012, resulting in a positive change of 49.68%.This indicates that the balance sheet and financial strength for Exchange Bank has improved significantly in recent periods. Deposit Growth In the past year, Exchange Bank has decreased its total deposits by -$5.33 million, resulting in -2.61% 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 Exchange 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. Exchange Bank has $225.05 million in assets with $25.12 million in equity, resulting in a capitalization level of 11.16%, which is above average.

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