Midtown Bank & Trust Company

Midtown Bank & Trust Company is headquartered in Atlanta and is the 91^st largest bank in the state of Georgia. It is also the 3,213^st largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 41 employees at 1 location. Midtown Bank & Trust Company has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Midtown Bank & Trust Company FDIC Certificate # 57580 BankRate Report View Year Established 2003 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $193.28 million Loans $121.96 million Deposits $145.68 million Equity Capital $21.03 million Loan Loss Allowance $3.16 million Unbacked Noncurrent Loans $4.81 million Real Estate Owned $3.22 million Historic Data - March 2011 Assets $196.37 million Equity Capital $20.32 million Loan Loss Allowance $6.06 million Unbacked Noncurrent Loans $10.13 million Real Estate Owned $4.56 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.77% Return on Equity 7.1% Interest Income $2.29 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 Midtown Bank & Trust Company had $8.03 million in non-current loans and owned real-estate with $24.19 million in equity and loan loss allowances on hand to cover it. This gives Midtown Bank & Trust Company a Texas Ratio of 33.19% 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 Midtown Bank & Trust Company decreased significantly from 55.68% as of March 31, 2011 to 33.19% as of March 31, 2012, resulting in a positive change of 40.39%.This indicates that the balance sheet and financial strength for Midtown Bank & Trust Company has improved significantly in recent periods. Deposit Growth In the past year, Midtown Bank & Trust Company has decreased its total deposits by -$2.92 million, resulting in -1.97% 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 Midtown Bank & Trust Company 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. Midtown Bank & Trust Company has $193.28 million in assets with $24.19 million in equity, resulting in a capitalization level of 12.52%, which is excellent.

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