Georgia Heritage Bank

Georgia Heritage Bank is headquartered in Dallas and is the 205^th largest bank in the state of Georgia. It is also the 5,818^st largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 16 employees at 3 locations. Georgia Heritage Bank has a 1-star health rating.

Georgia Heritage Bank Routing Number: 061120563

Data for Q1 2012

Institution Statistics Georgia Heritage Bank FDIC Certificate # 58005 BankRate Report View Year Established 2005 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $68.37 million Loans $36.23 million Deposits $65.15 million Equity Capital $2.16 million Loan Loss Allowance $755,000 Unbacked Noncurrent Loans $4.36 million Real Estate Owned $4.56 million Historic Data - March 2011 Assets $77.95 million Equity Capital $4.01 million Loan Loss Allowance $878,000 Unbacked Noncurrent Loans $3.21 million Real Estate Owned $5.26 million Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets -1.92% Return on Equity -56.11% Interest Income $633,000

Institution Health Overall Score: 1 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 Heritage Bank had $8.92 million in non-current loans and owned real-estate with $2.92 million in equity and loan loss allowances on hand to cover it. This gives Georgia Heritage Bank a Texas Ratio of 305.90% 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 Georgia Heritage Bank increased slightly from 173.35% as of March 31, 2011 to 305.90% as of March 31, 2012, resulting in a negative change of 76.46%. This indicates that the balance sheet and financial strength for Georgia Heritage Bank has declined slightly in recent periods. Deposit Growth In the past year, Georgia Heritage Bank has decreased its total deposits by -$7.6 million, resulting in -10.44% 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 Heritage Bank has shown is poor. 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 Heritage Bank has $68.37 million in assets with $2.92 million in equity, resulting in a capitalization level of 4.26%, which is poor.

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