Small Town Bank

Small Town Bank is headquartered in Wedowee and is the 39^th largest bank in the state of Alabama. It is also the 2,703^rd largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 44 employees at 4 locations. Small Town Bank has a 3-star health rating.

Small Town Bank Routing Number: 062206318

Data for Q1 2012

Institution Statistics Small Town Bank FDIC Certificate # 35112 BankRate Report View Year Established 1999 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $237.43 million Loans $109.48 million Deposits $195.43 million Equity Capital $31.16 million Loan Loss Allowance $3.09 million Unbacked Noncurrent Loans $4.10 million Real Estate Owned $1.60 million Historic Data - March 2011 Assets $239.10 million Equity Capital $26.35 million Loan Loss Allowance $2.26 million Unbacked Noncurrent Loans $3.37 million Real Estate Owned $2.15 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 1.12% Return on Equity 8.67% Interest Income $2.96 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 Small Town Bank had $5.7 million in non-current loans and owned real-estate with $34.25 million in equity and loan loss allowances on hand to cover it. This gives Small Town Bank a Texas Ratio of 16.64% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Small Town Bank held steady from 19.29% as of March 31, 2011 to 16.64% as of March 31, 2012, resulting in a positive change of 13.73%.This indicates that the balance sheet and financial strength for Small Town Bank has held steady in recent periods. Deposit Growth In the past year, Small Town Bank has decreased its total deposits by -$6.43 million, resulting in -3.19% 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 Small Town 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. Small Town Bank has $237.43 million in assets with $34.25 million in equity, resulting in a capitalization level of 14.42%, which is excellent.

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