North Georgia National Bank

North Georgia National Bank is headquartered in Calhoun and is the 132^nd largest bank in the state of Georgia. It is also the 4,208^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 31 employees at 4 locations. North Georgia National Bank has a 3-star health rating.

North Georgia National Bank Routing Number: 061119642

Data for Q1 2012

Institution Statistics North Georgia National Bank FDIC Certificate # 34662 BankRate Report View Year Established 1999 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $131.97 million Loans $70.83 million Deposits $114.44 million Equity Capital $11.86 million Loan Loss Allowance $2.17 million Unbacked Noncurrent Loans $5.08 million Real Estate Owned $3.81 million Historic Data - March 2011 Assets $130.66 million Equity Capital $13.14 million Loan Loss Allowance $2.73 million Unbacked Noncurrent Loans $5.31 million Real Estate Owned $2.97 million Profit Margin - Quarterly Net Interest Margin 2.99% Return on Assets -0.05% Return on Equity -0.57% Interest Income $1.27 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 North Georgia National Bank had $8.89 million in non-current loans and owned real-estate with $14.02 million in equity and loan loss allowances on hand to cover it. This gives North Georgia National Bank a Texas Ratio of 63.39% 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 North Georgia National Bank increased slightly from 52.20% as of March 31, 2011 to 63.39% as of March 31, 2012, resulting in a negative change of 21.44%. This indicates that the balance sheet and financial strength for North Georgia National Bank has declined slightly in recent periods. Deposit Growth In the past year, North Georgia National Bank has increased its total deposits by $2.76 million, resulting in 2.47% 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 North Georgia National Bank has shown is above 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. North Georgia National Bank has $131.96 million in assets with $14.02 million in equity, resulting in a capitalization level of 10.63%, which is above average.

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