Highland Commercial Bank

Highland Commercial Bank is headquartered in Marietta and is the 131^st largest bank in the state of Georgia. It is also the 4,163^rd largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 31 employees at 2 locations. Highland Commercial Bank has a 3-star health rating.

Highland Commercial Bank Routing Number: 061120466

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Data for Q1 2012

Institution Statistics Highland Commercial Bank FDIC Certificate # 57732 BankRate Report View Year Established 2004 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $134.11 million Loans $87.75 million Deposits $115.27 million Equity Capital $12.09 million Loan Loss Allowance $2.26 million Unbacked Noncurrent Loans $4.56 million Real Estate Owned $2.18 million Historic Data - March 2011 Assets $135.99 million Equity Capital $11.68 million Loan Loss Allowance $2.41 million Unbacked Noncurrent Loans $5.92 million Real Estate Owned $2.22 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 0.14% Return on Equity 1.52% Interest Income $1.48 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 Highland Commercial Bank had $6.74 million in non-current loans and owned real-estate with $14.35 million in equity and loan loss allowances on hand to cover it. This gives Highland Commercial Bank a Texas Ratio of 46.95% 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 Highland Commercial Bank decreased slightly from 58.13% as of March 31, 2011 to 46.95% as of March 31, 2012, resulting in a positive change of 19.23%.This indicates that the balance sheet and financial strength for Highland Commercial Bank has improved slightly in recent periods. Deposit Growth In the past year, Highland Commercial Bank has decreased its total deposits by -$1.27 million, resulting in -1.09% 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 Highland Commercial Bank has shown is below 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. Highland Commercial Bank has $134.11 million in assets with $14.35 million in equity, resulting in a capitalization level of 10.70%, which is above average.

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