Georgia Banking Company

Georgia Banking Company is headquartered in Atlanta and is the 64^th largest bank in the state of Georgia. It is also the 2,345^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 66 employees at 2 locations. Georgia Banking Company has a 3-star health rating.

Georgia Banking Company Routing Number: 061019975

Data for Q1 2012

Institution Statistics Georgia Banking Company FDIC Certificate # 57071 BankRate Report View Year Established 2001 Employees 66 Primary Regulator FDIC Assets and Liabilities Assets $275.74 million Loans $233.50 million Deposits $230.44 million Equity Capital $22.51 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $7.80 million Real Estate Owned $5.64 million Historic Data - March 2011 Assets $223.41 million Equity Capital $22.28 million Loan Loss Allowance $1.47 million Unbacked Noncurrent Loans $10.02 million Real Estate Owned $1,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.73% Return on Equity 9.3% Interest Income $3.20 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 Georgia Banking Company had $13.44 million in non-current loans and owned real-estate with $23.78 million in equity and loan loss allowances on hand to cover it. This gives Georgia Banking Company a Texas Ratio of 56.53% 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 Georgia Banking Company increased slightly from 42.18% as of March 31, 2011 to 56.53% as of March 31, 2012, resulting in a negative change of 34.03%. This indicates that the balance sheet and financial strength for Georgia Banking Company has declined slightly in recent periods. Deposit Growth In the past year, Georgia Banking Company has increased its total deposits by $40.33 million, resulting in 21.22% 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 Georgia Banking Company 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. Georgia Banking Company has $275.74 million in assets with $23.78 million in equity, resulting in a capitalization level of 8.62%, which is average.

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