First National Bank of Decatur County

First National Bank of Decatur County is headquartered in Bainbridge and is the 153^rd largest bank in the state of Georgia. It is also the 4,541^st largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 17 employees at 1 location. First National Bank of Decatur County has a 5-star health rating.

Data for Q1 2012

Institution Statistics First National Bank of Decatur County FDIC Certificate # 57694 BankRate Report View Year Established 2004 Employees 17 Primary Regulator OCC Assets and Liabilities Assets $116.63 million Loans $53.45 million Deposits $98.01 million Equity Capital $13.21 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $2.74 million Real Estate Owned $110,000 Historic Data - March 2011 Assets $101.95 million Equity Capital $11.67 million Loan Loss Allowance $2.07 million Unbacked Noncurrent Loans $4.44 million Real Estate Owned $171,000 Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets 0.31% Return on Equity 2.84% Interest Income $1.12 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 National Bank of Decatur County had $2.85 million in non-current loans and owned real-estate with $14.86 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Decatur County a Texas Ratio of 19.19% 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 National Bank of Decatur County decreased significantly from 33.58% as of March 31, 2011 to 19.19% as of March 31, 2012, resulting in a positive change of 42.85%.This indicates that the balance sheet and financial strength for First National Bank of Decatur County has improved significantly in recent periods. Deposit Growth In the past year, First National Bank of Decatur County has increased its total deposits by $13.01 million, resulting in 15.3% 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 National Bank of Decatur County 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 National Bank of Decatur County has $116.62 million in assets with $14.86 million in equity, resulting in a capitalization level of 12.74%, which is excellent.

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