First American Bank & Trust

First American Bank & Trust is headquartered in Athens and is the 24^th largest bank in the state of Georgia. It is also the 1,201^st largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 111 employees at 9 locations. First American Bank & Trust has a 4-star health rating.

Data for Q1 2012

Institution Statistics First American Bank and Trust Company FDIC Certificate # 16858 BankRate Report View Year Established 1934 Employees 111 Primary Regulator FDIC Assets and Liabilities Assets $561.45 million Loans $239.96 million Deposits $374.61 million Equity Capital $52.22 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $11.23 million Real Estate Owned $1.36 million Historic Data - March 2011 Assets $451.66 million Equity Capital $45.33 million Loan Loss Allowance $3.59 million Unbacked Noncurrent Loans $10.64 million Real Estate Owned $1.85 million Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 1.11% Return on Equity 11.9% Interest Income $5.09 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 First American Bank & Trust had $12.58 million in non-current loans and owned real-estate with $54.49 million in equity and loan loss allowances on hand to cover it. This gives First American Bank & Trust a Texas Ratio of 23.09% 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 First American Bank & Trust held steady from 25.52% as of March 31, 2011 to 23.09% as of March 31, 2012, resulting in a positive change of 9.52%.This indicates that the balance sheet and financial strength for First American Bank & Trust has held steady in recent periods. Deposit Growth In the past year, First American Bank & Trust has increased its total deposits by $74.88 million, resulting in 24.98% 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 First American Bank & Trust has shown is excellent. 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. First American Bank & Trust has $561.45 million in assets with $54.49 million in equity, resulting in a capitalization level of 9.70%, which is average.

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