First Intercontinental Bank

First Intercontinental Bank is headquartered in Doraville and is the 65^th largest bank in the state of Georgia. It is also the 2,384^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 57 employees at 5 locations. First Intercontinental Bank has a 3-star health rating.

First Intercontinental Bank Routing Number: 061119794

Data for Q1 2012

Institution Statistics First Intercontinental Bank FDIC Certificate # 34998 BankRate Report View Year Established 2000 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $270.98 million Loans $189.10 million Deposits $238.24 million Equity Capital $30.93 million Loan Loss Allowance $5.24 million Unbacked Noncurrent Loans $12.35 million Real Estate Owned $11.12 million Historic Data - March 2011 Assets $269.66 million Equity Capital $30.50 million Loan Loss Allowance $5.80 million Unbacked Noncurrent Loans $8.80 million Real Estate Owned $14.11 million Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.06% Return on Equity 0.52% Interest Income $3.01 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 Intercontinental Bank had $23.47 million in non-current loans and owned real-estate with $36.17 million in equity and loan loss allowances on hand to cover it. This gives First Intercontinental Bank a Texas Ratio of 64.89% 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 Intercontinental Bank held steady from 65.60% as of March 31, 2011 to 64.89% as of March 31, 2012, resulting in a positive change of 1.08%.This indicates that the balance sheet and financial strength for First Intercontinental Bank has held steady in recent periods. Deposit Growth In the past year, First Intercontinental Bank has increased its total deposits by $352,000, resulting in 0.15% 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 Intercontinental Bank has shown is 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. First Intercontinental Bank has $270.98 million in assets with $36.17 million in equity, resulting in a capitalization level of 13.35%, which is excellent.

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