Oconee State Bank

Oconee State Bank is headquartered in Watkinsville and is the 63^rd largest bank in the state of Georgia. It is also the 2,332^nd largest bank in the nation. It was established in 1960 and as of March of 2012, it had grown to 73 employees at 5 locations. Oconee State Bank has a 3-star health rating.

Oconee State Bank Routing Number: 061113282

Data for Q1 2012

Institution Statistics Oconee State Bank FDIC Certificate # 18143 BankRate Report View Year Established 1960 Employees 73 Primary Regulator FDIC Assets and Liabilities Assets $277.20 million Loans $138.99 million Deposits $254.21 million Equity Capital $22.52 million Loan Loss Allowance $2.74 million Unbacked Noncurrent Loans $11.26 million Real Estate Owned $7.62 million Historic Data - March 2011 Assets $274.73 million Equity Capital $22.98 million Loan Loss Allowance $4.00 million Unbacked Noncurrent Loans $16.83 million Real Estate Owned $5.59 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.55% Return on Equity 6.6% Interest Income $2.60 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 Oconee State Bank had $18.88 million in non-current loans and owned real-estate with $25.26 million in equity and loan loss allowances on hand to cover it. This gives Oconee State Bank a Texas Ratio of 74.74% 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 Oconee State Bank held steady from 83.09% as of March 31, 2011 to 74.74% as of March 31, 2012, resulting in a positive change of 10.05%.This indicates that the balance sheet and financial strength for Oconee State Bank has held steady in recent periods. Deposit Growth In the past year, Oconee State Bank has increased its total deposits by $14.64 million, resulting in 6.11% 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 Oconee State Bank has shown is excellent. 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. Oconee State Bank has $277.2 million in assets with $25.26 million in equity, resulting in a capitalization level of 9.11%, which is average.

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