Family Bank

Family Bank is headquartered in Pelham and is the 186^th largest bank in the state of Georgia. It is also the 5,217^st largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 31 employees at 3 locations. Family Bank has a 4-star health rating.

Family Bank Routing Number: 261270679

Data for Q1 2012

Institution Statistics Family Bank OTS # 03330 FDIC Certificate # 29357 BankRate Report View Year Established 1931 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $90.18 million Loans $65.92 million Deposits $81.80 million Equity Capital $8.00 million Loan Loss Allowance $788,000 Unbacked Noncurrent Loans $1.66 million Real Estate Owned $504,000 Historic Data - March 2011 Assets $87.75 million Equity Capital $7.55 million Loan Loss Allowance $762,000 Unbacked Noncurrent Loans $2.12 million Real Estate Owned $726,000 Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 0.16% Return on Equity 1.8% Interest Income $1.15 million

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 Family Bank had $2.16 million in non-current loans and owned real-estate with $8.79 million in equity and loan loss allowances on hand to cover it. This gives Family Bank a Texas Ratio of 24.60% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Family Bank decreased slightly from 34.28% as of March 31, 2011 to 24.60% as of March 31, 2012, resulting in a positive change of 28.24%.This indicates that the balance sheet and financial strength for Family Bank has improved slightly in recent periods. Deposit Growth In the past year, Family Bank has increased its total deposits by $1.98 million, resulting in 2.48% 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 Family Bank has shown is above 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. Family Bank has $90.18 million in assets with $8.79 million in equity, resulting in a capitalization level of 9.75%, which is average.

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