Queensborough National Bank & Trust Company

Queensborough National Bank & Trust Company is headquartered in Louisville and is the 18^st largest bank in the state of Georgia. It is also the 754^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 270 employees at 22 locations. Queensborough National Bank & Trust Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics Queensborough National Bank & Trust Company FDIC Certificate # 2138 BankRate Report View Year Established 1902 Employees 270 Primary Regulator OCC Assets and Liabilities Assets $884.31 million Loans $517.16 million Deposits $763.33 million Equity Capital $80.45 million Loan Loss Allowance $16.30 million Unbacked Noncurrent Loans $38.21 million Real Estate Owned $17.87 million Historic Data - March 2011 Assets $913.07 million Equity Capital $74.75 million Loan Loss Allowance $19.31 million Unbacked Noncurrent Loans $36.73 million Real Estate Owned $14.82 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.64% Return on Equity 7.04% Interest Income $9.71 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 Queensborough National Bank & Trust Company had $56.08 million in non-current loans and owned real-estate with $96.75 million in equity and loan loss allowances on hand to cover it. This gives Queensborough National Bank & Trust Company a Texas Ratio of 57.96% 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 Queensborough National Bank & Trust Company held steady from 56.17% as of March 31, 2011 to 57.96% as of March 31, 2012, resulting in a negative change of 3.20%. This indicates that the balance sheet and financial strength for Queensborough National Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Queensborough National Bank & Trust Company has decreased its total deposits by -$19.68 million, resulting in -2.51% 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 Queensborough National Bank & Trust Company 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. Queensborough National Bank & Trust Company has $884.31 million in assets with $96.75 million in equity, resulting in a capitalization level of 10.94%, which is above average.

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