Security Exchange Bank

Security Exchange Bank is headquartered in Marietta and is the 119^st largest bank in the state of Georgia. It is also the 3,857^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 19 employees at 2 locations. Security Exchange Bank's money market rates are 70% higher than the national average, but it has a 1-star health rating.

Security Exchange Bank Routing Number: 061119817

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Data for Q1 2012

Institution Statistics Security Exchange Bank FDIC Certificate # 35299 BankRate Report View Year Established 2000 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $150.96 million Loans $69.67 million Deposits $147.90 million Equity Capital $2.94 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $11.41 million Real Estate Owned $46.21 million Historic Data - March 2011 Assets $174.60 million Equity Capital $5.74 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $7.27 million Real Estate Owned $44.27 million Profit Margin - Quarterly Net Interest Margin 2.13% Return on Assets -0.73% Return on Equity -36.75% Interest Income $974,000

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 Security Exchange Bank had $57.62 million in non-current loans and owned real-estate with $4.7 million in equity and loan loss allowances on hand to cover it. This gives Security Exchange Bank a Texas Ratio of 1,227.35% 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 Security Exchange Bank increased slightly from 612.55% as of March 31, 2011 to 1,227.35% as of March 31, 2012, resulting in a negative change of 100.37%. This indicates that the balance sheet and financial strength for Security Exchange Bank has declined slightly in recent periods. Deposit Growth In the past year, Security Exchange Bank has decreased its total deposits by -$20.72 million, resulting in -12.29% 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 Security Exchange 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. Security Exchange Bank has $150.96 million in assets with $4.7 million in equity, resulting in a capitalization level of 3.11%, which is poor.

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