Liberty First Bank

Liberty First Bank is headquartered in Monroe and is the 171^st largest bank in the state of Georgia. It is also the 4,935^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 16 employees at 1 location. Liberty First Bank has a 3-star health rating.

Liberty First Bank Routing Number: 061120806

Data for Q1 2012

Institution Statistics Liberty First Bank FDIC Certificate # 58274 BankRate Report View Year Established 2006 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $100.43 million Loans $63.31 million Deposits $85.99 million Equity Capital $10.69 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $6.45 million Real Estate Owned $2.75 million Historic Data - March 2011 Assets $92.23 million Equity Capital $10.99 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $3.45 million Real Estate Owned $2.93 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.49% Return on Equity 4.58% Interest Income $1.13 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 Liberty First Bank had $9.19 million in non-current loans and owned real-estate with $11.71 million in equity and loan loss allowances on hand to cover it. This gives Liberty First Bank a Texas Ratio of 78.50% 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 Liberty First Bank increased slightly from 53.06% as of March 31, 2011 to 78.50% as of March 31, 2012, resulting in a negative change of 47.97%. This indicates that the balance sheet and financial strength for Liberty First Bank has declined slightly in recent periods. Deposit Growth In the past year, Liberty First Bank has increased its total deposits by $10.15 million, resulting in 13.38% 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 Liberty First Bank 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. Liberty First Bank has $100.43 million in assets with $11.71 million in equity, resulting in a capitalization level of 11.66%, which is above average.

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