Glennville Bank

Glennville Bank is headquartered in Glennville and is the 135^th largest bank in the state of Georgia. It is also the 4,094^th largest bank in the nation. It was established in 1905 and as of September of 2011, it had grown to 40 employees at 4 locations. Glennville Bank has a 3-star health rating.

Glennville Bank Routing Number: 061204683

Data for Q3 2011

Institution Statistics Glennville Bank FDIC Certificate # 9244 BankRate Report View Year Established 1905 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $136.41 million Loans $85.87 million Deposits $118.57 million Equity Capital $14.73 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $1.28 million Real Estate Owned $2.61 million Historic Data - September 2010 Assets $138.30 million Equity Capital $13.89 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $2.12 million Real Estate Owned $1.77 million Profit Margin - Quarterly Net Interest Margin 4.35% Return on Assets 1.11% Return on Equity 11.01% Interest Income $5.33 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 September 30, 2011 Glennville Bank had $3.89 million in non-current loans and owned real-estate with $16.06 million in equity and loan loss allowances on hand to cover it. This gives Glennville Bank a Texas Ratio of 24.23% 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 Glennville Bank held steady from 25.47% as of September 30, 2010 to 24.23% as of September 30, 2011, resulting in a positive change of 4.87%.This indicates that the balance sheet and financial strength for Glennville Bank has held steady in recent periods. Deposit Growth In the past year, Glennville Bank has decreased its total deposits by -$1.06 million, resulting in -0.89% 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 Glennville Bank has shown is 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. Glennville Bank has $136.41 million in assets with $16.06 million in equity, resulting in a capitalization level of 11.77%, which is above average.

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