Patterson Bank

Patterson Bank is headquartered in Patterson and is the 148^th largest bank in the state of Georgia. It is also the 4,466^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 35 employees at 3 locations. Patterson Bank has a 1-star health rating.

Patterson Bank Routing Number: 061206814

Data for Q1 2012

Institution Statistics The Patterson Bank FDIC Certificate # 10055 BankRate Report View Year Established 1907 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $120.10 million Loans $84.67 million Deposits $112.25 million Equity Capital $2.96 million Loan Loss Allowance $3.39 million Unbacked Noncurrent Loans $19.48 million Real Estate Owned $6.18 million Historic Data - March 2011 Assets $151.54 million Equity Capital $6.18 million Loan Loss Allowance $2.89 million Unbacked Noncurrent Loans $14.60 million Real Estate Owned $6.98 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets -0.97% Return on Equity -37.77% Interest Income $1.42 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 Patterson Bank had $25.66 million in non-current loans and owned real-estate with $6.35 million in equity and loan loss allowances on hand to cover it. This gives Patterson Bank a Texas Ratio of 403.98% 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 Patterson Bank increased slightly from 238.05% as of March 31, 2011 to 403.98% as of March 31, 2012, resulting in a negative change of 69.70%. This indicates that the balance sheet and financial strength for Patterson Bank has declined slightly in recent periods. Deposit Growth In the past year, Patterson Bank has decreased its total deposits by -$22.67 million, resulting in -16.8% 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 Patterson Bank 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. Patterson Bank has $120.1 million in assets with $6.35 million in equity, resulting in a capitalization level of 5.29%, which is below average.

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