First Tuskegee Bank

First Tuskegee Bank is headquartered in Tuskegee and is the 124^th largest bank in the state of Alabama. It is also the 5,913^st largest bank in the nation. It was established in 1991 and as of March of 2012, it had grown to 32 employees at 3 locations. First Tuskegee Bank has a 2-star health rating.

Data for Q1 2012

Institution Statistics First Tuskegee Bank FDIC Certificate # 33519 BankRate Report View Year Established 1991 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $65.43 million Loans $36.08 million Deposits $59.51 million Equity Capital $5.84 million Loan Loss Allowance $595,000 Unbacked Noncurrent Loans $4.05 million Real Estate Owned $5.30 million Historic Data - March 2011 Assets $70.93 million Equity Capital $5.32 million Loan Loss Allowance $678,000 Unbacked Noncurrent Loans $3.44 million Real Estate Owned $5.54 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 0.45% Return on Equity 5.21% Interest Income $677,000

Institution Health Overall Score: 2 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 Tuskegee Bank had $9.35 million in non-current loans and owned real-estate with $6.43 million in equity and loan loss allowances on hand to cover it. This gives First Tuskegee Bank a Texas Ratio of 145.37% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Tuskegee Bank held steady from 149.69% as of March 31, 2011 to 145.37% as of March 31, 2012, resulting in a positive change of 2.88%.This indicates that the balance sheet and financial strength for First Tuskegee Bank has held steady in recent periods. Deposit Growth In the past year, First Tuskegee Bank has decreased its total deposits by -$2.98 million, resulting in -4.77% 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 Tuskegee Bank has shown is below average. 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 Tuskegee Bank has $65.43 million in assets with $6.43 million in equity, resulting in a capitalization level of 9.83%, which is average.

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