First Madison Bank & Trust

First Madison Bank & Trust is headquartered in Colbert and is the 122^nd largest bank in the state of Georgia. It is also the 3,898^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 20 employees at 3 locations. First Madison Bank & Trust has a 5-star health rating.

First Madison Bank & Trust Routing Number: 061120534

Data for Q1 2012

Institution Statistics First Madison Bank & Trust FDIC Certificate # 57898 BankRate Report View Year Established 2005 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $148.70 million Loans $104.93 million Deposits $128.14 million Equity Capital $13.68 million Loan Loss Allowance $4.23 million Unbacked Noncurrent Loans $553,000 Real Estate Owned $568,000 Historic Data - March 2011 Assets $138.71 million Equity Capital $12.68 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $1.16 million Real Estate Owned $744,000 Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.83% Return on Equity 8.97% Interest Income $1.84 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 March 31, 2012 First Madison Bank & Trust had $1.12 million in non-current loans and owned real-estate with $17.91 million in equity and loan loss allowances on hand to cover it. This gives First Madison Bank & Trust a Texas Ratio of 6.26% which is excellent. 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 decreased significantly from 12.40% as of March 31, 2011 to 6.26% as of March 31, 2012, resulting in a positive change of 49.51%.This indicates that the balance sheet and financial strength for First Madison Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, First Madison Bank & Trust has increased its total deposits by $9.19 million, resulting in 7.72% 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 $148.7 million in assets with $17.91 million in equity, resulting in a capitalization level of 12.05%, which is excellent.

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