Quantum National Bank

Quantum National Bank is headquartered in Suwanee and is the 46^th largest bank in the state of Georgia. It is also the 1,956^th largest bank in the nation. It was established in 1995 and as of December of 2012, it had grown to 48 employees at 2 locations. Quantum National Bank's money market rates are 36% higher than the national average, and it has a 3-star health rating.

Quantum National Bank Routing Number: 061104893

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Data for Q4 2012

Institution Statistics Quantum National Bank FDIC Certificate # 34110 BankRate Report View Year Established 1995 Employees 48 Primary Regulator OCC Assets and Liabilities Assets $335.53 million Loans $275.03 million Deposits $287.12 million Equity Capital $34.64 million Loan Loss Allowance $5.00 million Unbacked Noncurrent Loans $8.59 million Real Estate Owned $9.18 million Historic Data - December 2011 Assets $342.03 million Equity Capital $34.78 million Loan Loss Allowance $5.57 million Unbacked Noncurrent Loans $9.65 million Real Estate Owned $10.43 million Profit Margin - Quarterly Net Interest Margin 4.59% Return on Assets 0.62% Return on Equity 6.1% Interest Income $16.28 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 December 31, 2012 Quantum National Bank had $17.76 million in non-current loans and owned real-estate with $39.64 million in equity and loan loss allowances on hand to cover it. This gives Quantum National Bank a Texas Ratio of 44.82% 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 Quantum National Bank held steady from 49.87% as of December 31, 2011 to 44.82% as of December 31, 2012, resulting in a positive change of 10.13%.This indicates that the balance sheet and financial strength for Quantum National Bank has held steady in recent periods. Deposit Growth In the past year, Quantum National Bank has decreased its total deposits by -$5.22 million, resulting in -1.79% 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 Quantum National Bank has shown is below 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. Quantum National Bank has $335.53 million in assets with $39.64 million in equity, resulting in a capitalization level of 11.81%, which is above average.