Monroe County Bank

Monroe County Bank is headquartered in Forsyth and is the 182^nd largest bank in the state of Georgia. It is also the 5,140^th largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 25 employees at 2 locations. Monroe County Bank has a 2-star health rating.

Monroe County Bank Routing Number: 061102617

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Data for Q1 2012

Institution Statistics Monroe County Bank FDIC Certificate # 156 BankRate Report View Year Established 1908 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $92.94 million Loans $58.35 million Deposits $84.72 million Equity Capital $7.95 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $2.31 million Real Estate Owned $1.11 million Historic Data - March 2011 Assets $94.22 million Equity Capital $7.90 million Loan Loss Allowance $1.53 million Unbacked Noncurrent Loans $2.71 million Real Estate Owned $735,000 Profit Margin - Quarterly Net Interest Margin 2.44% Return on Assets -0.35% Return on Equity -4.15% Interest Income $977,000

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 Monroe County Bank had $3.42 million in non-current loans and owned real-estate with $9.26 million in equity and loan loss allowances on hand to cover it. This gives Monroe County Bank a Texas Ratio of 36.93% 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 Monroe County Bank held steady from 36.56% as of March 31, 2011 to 36.93% as of March 31, 2012, resulting in a negative change of 1.02%. This indicates that the balance sheet and financial strength for Monroe County Bank has held steady in recent periods. Deposit Growth In the past year, Monroe County Bank has decreased its total deposits by -$1.32 million, resulting in -1.53% 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 Monroe County 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. Monroe County Bank has $92.94 million in assets with $9.26 million in equity, resulting in a capitalization level of 9.96%, which is average.

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