Flint River National Bank

Flint River National Bank is headquartered in Camilla and is the 232^nd largest bank in the state of Georgia. It is also the 6,989^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 9 employees at 1 location. Flint River National Bank has a 3-star health rating.

Flint River National Bank Routing Number: 061220447

Data for Q1 2012

Institution Statistics Flint River National Bank FDIC Certificate # 57786 BankRate Report View Year Established 2004 Employees 9 Primary Regulator OCC Assets and Liabilities Assets $28.52 million Loans $17.52 million Deposits $25.66 million Equity Capital $2.78 million Loan Loss Allowance $317,000 Unbacked Noncurrent Loans $1.93 million Real Estate Owned $507,000 Historic Data - March 2011 Assets $27.37 million Equity Capital $3.02 million Loan Loss Allowance $432,000 Unbacked Noncurrent Loans $1.10 million Real Estate Owned $272,000 Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.03% Return on Equity 0.29% Interest Income $264,000

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 River National Bank had $2.44 million in non-current loans and owned real-estate with $3.1 million in equity and loan loss allowances on hand to cover it. This gives Flint River National Bank a Texas Ratio of 78.55% 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 Flint River National Bank increased slightly from 39.64% as of March 31, 2011 to 78.55% as of March 31, 2012, resulting in a negative change of 98.15%. This indicates that the balance sheet and financial strength for Flint River National Bank has declined slightly in recent periods. Deposit Growth In the past year, Flint River National Bank has increased its total deposits by $1.34 million, resulting in 5.51% 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 River National 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 River National Bank has $28.52 million in assets with $3.1 million in equity, resulting in a capitalization level of 10.87%, which is above average.

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