First State Bank of Randolph County

First State Bank of Randolph County is headquartered in Cuthbert and is the 206^th largest bank in the state of Georgia. It is also the 5,867^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 20 employees at 2 locations. First State Bank of Randolph County has a 4-star health rating.

Data for Q1 2012

Institution Statistics First State Bank of Randolph County FDIC Certificate # 2157 BankRate Report View Year Established 1900 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $66.71 million Loans $30.62 million Deposits $59.74 million Equity Capital $6.41 million Loan Loss Allowance $575,000 Unbacked Noncurrent Loans $1.04 million Real Estate Owned $894,000 Historic Data - March 2011 Assets $57.90 million Equity Capital $5.66 million Loan Loss Allowance $707,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $610,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.5% Return on Equity 5.13% Interest Income $679,000

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 State Bank of Randolph County had $1.94 million in non-current loans and owned real-estate with $6.98 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of Randolph County a Texas Ratio of 27.75% 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 State Bank of Randolph County held steady from 28.63% as of March 31, 2011 to 27.75% as of March 31, 2012, resulting in a positive change of 3.09%.This indicates that the balance sheet and financial strength for First State Bank of Randolph County has held steady in recent periods. Deposit Growth In the past year, First State Bank of Randolph County has increased its total deposits by $8.11 million, resulting in 15.71% 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 State Bank of Randolph 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 State Bank of Randolph County has $66.71 million in assets with $6.98 million in equity, resulting in a capitalization level of 10.46%, which is above average.

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