First Madison Bank & Trust

First Madison Bank & Trust is headquartered in Colbert and is the 107^th largest bank in the state of Georgia. It is also the 3,755^th largest bank in the nation. It was established in 2005 and as of December of 2012, it had grown to 21 employees at 3 locations. First Madison Bank & Trust has a 5-star health rating.

First Madison Bank & Trust Routing Number: 061120534

Data for Q4 2012

Institution Statistics First Madison Bank & Trust FDIC Certificate # 57898 BankRate Report View Year Established 2005 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $153.79 million Loans $113.56 million Deposits $132.70 million Equity Capital $14.52 million Loan Loss Allowance $5.53 million Unbacked Noncurrent Loans $1.82 million Real Estate Owned $567,000 Historic Data - December 2011 Assets $144.02 million Equity Capital $13.35 million Loan Loss Allowance $3.96 million Unbacked Noncurrent Loans $535,000 Real Estate Owned $877,000 Profit Margin - Quarterly Net Interest Margin 4.52% Return on Assets 0.81% Return on Equity 8.72% Interest Income $7.57 million

Institution Health Overall Score: 5 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 December 31, 2012 First Madison Bank & Trust had $2.39 million in non-current loans and owned real-estate with $20.06 million in equity and loan loss allowances on hand to cover it. This gives First Madison Bank & Trust a Texas Ratio of 11.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Madison Bank & Trust held steady from 8.16% as of December 31, 2011 to 11.91% as of December 31, 2012, resulting in a negative change of 46.07%. This indicates that the balance sheet and financial strength for First Madison Bank & Trust has held steady in recent periods. Deposit Growth In the past year, First Madison Bank & Trust has increased its total deposits by $8.83 million, resulting in 7.13% 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 Madison 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 Madison Bank & Trust has $153.79 million in assets with $20.06 million in equity, resulting in a capitalization level of 13.04%, which is excellent.

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