First Bank of Dalton

First Bank of Dalton is headquartered in Dalton and is the 94^th largest bank in the state of Georgia. It is also the 3,289^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 37 employees at 4 locations. First Bank of Dalton has a 3-star health rating.

Data for Q1 2012

Institution Statistics First Bank of Dalton FDIC Certificate # 34116 BankRate Report View Year Established 1996 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $186.82 million Loans $115.16 million Deposits $170.97 million Equity Capital $15.33 million Loan Loss Allowance $3.05 million Unbacked Noncurrent Loans $4.99 million Real Estate Owned $6.19 million Historic Data - March 2011 Assets $181.47 million Equity Capital $13.48 million Loan Loss Allowance $3.16 million Unbacked Noncurrent Loans $2.82 million Real Estate Owned $7.32 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.23% Return on Equity 2.72% Interest Income $2.13 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 First Bank of Dalton had $11.18 million in non-current loans and owned real-estate with $18.39 million in equity and loan loss allowances on hand to cover it. This gives First Bank of Dalton a Texas Ratio of 60.82% 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 First Bank of Dalton held steady from 60.97% as of March 31, 2011 to 60.82% as of March 31, 2012, resulting in a positive change of 0.25%.This indicates that the balance sheet and financial strength for First Bank of Dalton has held steady in recent periods. Deposit Growth In the past year, First Bank of Dalton has increased its total deposits by $8.16 million, resulting in 5.01% 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 Bank of Dalton 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 Bank of Dalton has $186.82 million in assets with $18.39 million in equity, resulting in a capitalization level of 9.84%, which is average.

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