Robertson Banking Company

Robertson Banking Company is headquartered in Demopolis and is the 36^th largest bank in the state of Alabama. It is also the 2,558^th largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 73 employees at 5 locations. Robertson Banking Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Robertson Banking Company FDIC Certificate # 39 BankRate Report View Year Established 1870 Employees 73 Primary Regulator FDIC Assets and Liabilities Assets $251.72 million Loans $179.90 million Deposits $210.82 million Equity Capital $25.83 million Loan Loss Allowance $3.52 million Unbacked Noncurrent Loans $1.98 million Historic Data - March 2011 Assets $241.68 million Equity Capital $24.03 million Loan Loss Allowance $3.09 million Unbacked Noncurrent Loans $3.20 million Real Estate Owned $494,000 Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 1.53% Return on Equity 15.29% Interest Income $2.86 million

Institution Health Overall Score: 5 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 Robertson Banking Company had $1.98 million in non-current loans and owned real-estate with $29.36 million in equity and loan loss allowances on hand to cover it. This gives Robertson Banking Company a Texas Ratio of 6.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Robertson Banking Company decreased significantly from 13.62% as of March 31, 2011 to 6.73% as of March 31, 2012, resulting in a positive change of 50.57%.This indicates that the balance sheet and financial strength for Robertson Banking Company has improved significantly in recent periods. Deposit Growth In the past year, Robertson Banking Company has increased its total deposits by $8.38 million, resulting in 4.14% 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 Robertson Banking Company has shown is above 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. Robertson Banking Company has $251.72 million in assets with $29.36 million in equity, resulting in a capitalization level of 11.66%, which is above average.

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