Flint Community Bank

Flint Community Bank is headquartered in Albany and is the 135^th largest bank in the state of Georgia. It is also the 4,263^rd largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 26 employees at 2 locations. Flint Community Bank has a 3-star health rating.

Flint Community Bank Money Market Rates

Flint Community Bank CD Rates

Data for Q1 2012

Institution Statistics Flint Community Bank FDIC Certificate # 58074 BankRate Report View Year Established 2006 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $129.45 million Loans $105.35 million Deposits $117.19 million Equity Capital $11.09 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $3.17 million Real Estate Owned $279,000 Historic Data - March 2011 Assets $121.57 million Equity Capital $10.22 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.44 million Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 0.55% Return on Equity 6.51% Interest Income $1.49 million

Institution Health Overall Score: 3 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 Flint Community Bank had $3.45 million in non-current loans and owned real-estate with $12.48 million in equity and loan loss allowances on hand to cover it. This gives Flint Community Bank a Texas Ratio of 27.62% 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 Flint Community Bank increased slightly from 12.51% as of March 31, 2011 to 27.62% as of March 31, 2012, resulting in a negative change of 120.80%. This indicates that the balance sheet and financial strength for Flint Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Flint Community Bank has increased its total deposits by $6.91 million, resulting in 6.26% 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 Flint Community Bank 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. Flint Community Bank has $129.45 million in assets with $12.48 million in equity, resulting in a capitalization level of 9.64%, which is average.

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