First United Security Bank

First United Security Bank is headquartered in Thomasville and is the 13^st largest bank in the state of Alabama. It is also the 1,082^nd largest bank in the nation. It was established in 1952 and as of March of 2012, it had grown to 304 employees at 19 locations. First United Security Bank has a 4-star health rating.

First United Security Bank Routing Number: 062103592

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First United Security Bank Checking Account Rates

Data for Q1 2012

Institution Statistics First United Security Bank FDIC Certificate # 17077 BankRate Report View Year Established 1952 Employees 304 Primary Regulator FDIC Assets and Liabilities Assets $617.42 million Loans $365.85 million Deposits $533.89 million Equity Capital $65.20 million Loan Loss Allowance $20.77 million Unbacked Noncurrent Loans $19.82 million Real Estate Owned $14.63 million Historic Data - March 2011 Assets $638.18 million Equity Capital $75.62 million Loan Loss Allowance $20.01 million Unbacked Noncurrent Loans $26.01 million Real Estate Owned $25.82 million Profit Margin - Quarterly Net Interest Margin 6.27% Return on Assets -0.74% Return on Equity -6.94% Interest Income $10.01 million

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 United Security Bank had $34.45 million in non-current loans and owned real-estate with $85.97 million in equity and loan loss allowances on hand to cover it. This gives First United Security Bank a Texas Ratio of 40.07% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First United Security Bank decreased slightly from 54.20% as of March 31, 2011 to 40.07% as of March 31, 2012, resulting in a positive change of 26.07%.This indicates that the balance sheet and financial strength for First United Security Bank has improved slightly in recent periods. Deposit Growth In the past year, First United Security Bank has increased its total deposits by $13.36 million, resulting in 2.57% 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 United Security Bank has shown is above 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 United Security Bank has $617.42 million in assets with $85.97 million in equity, resulting in a capitalization level of 13.92%, which is excellent.

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