Northwest Georgia Bank

Northwest Georgia Bank is headquartered in Ringgold and is the 25^th largest bank in the state of Georgia. It is also the 1,295^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 171 employees at 10 locations. Northwest Georgia Bank has a 1-star health rating.

Northwest Georgia Bank Routing Number: 061107010

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Data for Q1 2012

Institution Statistics Northwest Georgia Bank FDIC Certificate # 9246 BankRate Report View Year Established 1904 Employees 171 Primary Regulator FDIC Assets and Liabilities Assets $523.39 million Loans $193.83 million Deposits $429.05 million Equity Capital $29.11 million Loan Loss Allowance $10.68 million Unbacked Noncurrent Loans $30.63 million Real Estate Owned $16.10 million Historic Data - March 2011 Assets $554.68 million Equity Capital $31.53 million Loan Loss Allowance $5.81 million Unbacked Noncurrent Loans $25.68 million Real Estate Owned $11.23 million Profit Margin - Quarterly Net Interest Margin 2.81% Return on Assets -1.06% Return on Equity -18.45% Interest Income $4.63 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 Northwest Georgia Bank had $46.73 million in non-current loans and owned real-estate with $39.78 million in equity and loan loss allowances on hand to cover it. This gives Northwest Georgia Bank a Texas Ratio of 117.47% 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 Northwest Georgia Bank increased slightly from 98.85% as of March 31, 2011 to 117.47% as of March 31, 2012, resulting in a negative change of 18.84%. This indicates that the balance sheet and financial strength for Northwest Georgia Bank has declined slightly in recent periods. Deposit Growth In the past year, Northwest Georgia Bank has decreased its total deposits by -$1.34 million, resulting in -0.31% 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 Northwest Georgia Bank has shown is 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. Northwest Georgia Bank has $523.39 million in assets with $39.78 million in equity, resulting in a capitalization level of 7.60%, which is below average.

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