Southern Bank & Trust (GA)

Southern Bank & Trust (GA) is headquartered in Clarkesville and is the 173^rd largest bank in the state of Georgia. It is also the 4,999^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 19 employees at 2 locations. Southern Bank & Trust (GA)'s money market rates are 59% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Southern Bank & Trust FDIC Certificate # 58143 BankRate Report View Year Established 2005 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $98.21 million Loans $58.77 million Deposits $86.12 million Equity Capital $10.83 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $1.56 million Real Estate Owned $654,000 Historic Data - March 2011 Assets $91.69 million Equity Capital $9.85 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $645,000 Real Estate Owned $819,000 Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.71% Return on Equity 6.51% Interest Income $1.16 million

Institution Health Overall Score: 4 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 Southern Bank & Trust (GA) had $2.22 million in non-current loans and owned real-estate with $12.27 million in equity and loan loss allowances on hand to cover it. This gives Southern Bank & Trust (GA) a Texas Ratio of 18.06% 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 Southern Bank & Trust (GA) held steady from 13.29% as of March 31, 2011 to 18.06% as of March 31, 2012, resulting in a negative change of 35.88%. This indicates that the balance sheet and financial strength for Southern Bank & Trust (GA) has held steady in recent periods. Deposit Growth In the past year, Southern Bank & Trust (GA) has increased its total deposits by $5.64 million, resulting in 7.01% 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 Southern Bank & Trust (GA) has shown is excellent. 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. Southern Bank & Trust (GA) has $98.2 million in assets with $12.27 million in equity, resulting in a capitalization level of 12.49%, which is excellent.

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