Montgomery Bank & Trust

Montgomery Bank & Trust is headquartered in Ailey and is the 101^st largest bank in the state of Georgia. It is also the 3,482^nd largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 45 employees at 3 locations. Montgomery Bank & Trust has a 1-star health rating.

Montgomery Bank & Trust Routing Number: 061205255

Data for Q1 2012

Institution Statistics Montgomery Bank & Trust FDIC Certificate # 19498 BankRate Report View Year Established 1926 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $173.64 million Loans $102.99 million Deposits $164.42 million Equity Capital $3.62 million Loan Loss Allowance $940,000 Unbacked Noncurrent Loans $14.99 million Real Estate Owned $24.59 million Historic Data - March 2011 Assets $227.58 million Equity Capital $13.39 million Loan Loss Allowance $3.03 million Unbacked Noncurrent Loans $31.53 million Real Estate Owned $22.69 million Profit Margin - Quarterly Net Interest Margin 2.83% Return on Assets -8.76% Return on Equity -419.8% Interest Income $1.75 million

Institution Health Overall Score: 1 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 Montgomery Bank & Trust had $39.58 million in non-current loans and owned real-estate with $4.56 million in equity and loan loss allowances on hand to cover it. This gives Montgomery Bank & Trust a Texas Ratio of 868.30% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Montgomery Bank & Trust increased slightly from 330.22% as of March 31, 2011 to 868.30% as of March 31, 2012, resulting in a negative change of 162.94%. This indicates that the balance sheet and financial strength for Montgomery Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Montgomery Bank & Trust has decreased its total deposits by -$43.93 million, resulting in -21.08% 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 Montgomery Bank & Trust 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. Montgomery Bank & Trust has $173.64 million in assets with $4.56 million in equity, resulting in a capitalization level of 2.63%, which is poor.

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