Macon Bank, Inc.

Macon Bank, Inc. is headquartered in Franklin and is the 22^nd largest bank in the state of North Carolina. It is also the 779^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 163 employees at 11 locations. Macon Bank, Inc. has a 2-star health rating.

Macon Bank, Inc. Routing Number: 253170486

Data for Q1 2012

Institution Statistics Macon Bank, Inc. FDIC Certificate # 31445 BankRate Report View Year Established 1922 Employees 163 Primary Regulator FDIC Assets and Liabilities Assets $846.79 million Loans $581.99 million Deposits $736.87 million Equity Capital $56.53 million Loan Loss Allowance $16.40 million Unbacked Noncurrent Loans $37.28 million Real Estate Owned $19.90 million Historic Data - March 2011 Assets $932.65 million Equity Capital $70.41 million Loan Loss Allowance $20.87 million Unbacked Noncurrent Loans $59.18 million Real Estate Owned $23.49 million Profit Margin - Quarterly Net Interest Margin 3.24% Return on Assets 0.03% Return on Equity 0.51% Interest Income $9.08 million

Institution Health Overall Score: 2 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 Macon Bank, Inc. had $57.17 million in non-current loans and owned real-estate with $72.92 million in equity and loan loss allowances on hand to cover it. This gives Macon Bank, Inc. a Texas Ratio of 78.40% 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 Macon Bank, Inc. held steady from 90.57% as of March 31, 2011 to 78.40% as of March 31, 2012, resulting in a positive change of 13.44%.This indicates that the balance sheet and financial strength for Macon Bank, Inc. has held steady in recent periods. Deposit Growth In the past year, Macon Bank, Inc. has decreased its total deposits by -$45.52 million, resulting in -5.82% 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 Macon Bank, Inc. 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. Macon Bank, Inc. has $846.79 million in assets with $72.92 million in equity, resulting in a capitalization level of 8.61%, which is average.