LaGrange Banking Company

LaGrange Banking Company is headquartered in Lagrange and is the 151^st largest bank in the state of Georgia. It is also the 4,524^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 26 employees at 2 locations. LaGrange Banking Company has a 4-star health rating.

LaGrange Banking Company Routing Number: 061121096

Data for Q1 2012

Institution Statistics LaGrange Banking Company FDIC Certificate # 58670 BankRate Report View Year Established 2008 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $117.32 million Loans $71.20 million Deposits $102.64 million Equity Capital $13.53 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $2.56 million Real Estate Owned $25,000 Historic Data - March 2011 Assets $100.48 million Equity Capital $11.49 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.87 million Real Estate Owned $482,000 Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 0.65% Return on Equity 5.57% Interest Income $1.21 million

Institution Health Overall Score: 4 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 LaGrange Banking Company had $2.58 million in non-current loans and owned real-estate with $14.66 million in equity and loan loss allowances on hand to cover it. This gives LaGrange Banking Company a Texas Ratio of 17.62% 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 LaGrange Banking Company held steady from 18.62% as of March 31, 2011 to 17.62% as of March 31, 2012, resulting in a positive change of 5.38%.This indicates that the balance sheet and financial strength for LaGrange Banking Company has held steady in recent periods. Deposit Growth In the past year, LaGrange Banking Company has increased its total deposits by $16.86 million, resulting in 19.65% 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 LaGrange 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. LaGrange Banking Company has $117.32 million in assets with $14.66 million in equity, resulting in a capitalization level of 12.49%, which is excellent.

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