First Landmark Bank

First Landmark Bank is headquartered in Marietta and is the 99^th largest bank in the state of Georgia. It is also the 3,437^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 27 employees at 1 location. First Landmark Bank has a 4-star health rating.

First Landmark Bank Routing Number: 061121119

Data for Q1 2012

Institution Statistics First Landmark Bank FDIC Certificate # 58705 BankRate Report View Year Established 2008 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $176.75 million Loans $101.42 million Deposits $149.27 million Equity Capital $20.33 million Loan Loss Allowance $2.10 million Unbacked Noncurrent Loans $3.85 million Real Estate Owned $1.28 million Historic Data - March 2011 Assets $156.40 million Equity Capital $18.20 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $200,000 Real Estate Owned $1.08 million Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.76% Return on Equity 6.86% Interest Income $1.83 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 Landmark Bank had $5.13 million in non-current loans and owned real-estate with $22.44 million in equity and loan loss allowances on hand to cover it. This gives First Landmark Bank a Texas Ratio of 22.88% 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 Landmark Bank increased slightly from 6.45% as of March 31, 2011 to 22.88% as of March 31, 2012, resulting in a negative change of 254.81%. This indicates that the balance sheet and financial strength for First Landmark Bank has declined slightly in recent periods. Deposit Growth In the past year, First Landmark Bank has increased its total deposits by $22.09 million, resulting in 17.37% 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 Landmark Bank 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 Landmark Bank has $176.75 million in assets with $22.44 million in equity, resulting in a capitalization level of 12.69%, which is excellent.

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