State Bank of Cochran

State Bank of Cochran is headquartered in Cochran and is the 78^th largest bank in the state of Georgia. It is also the 2,840^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 53 employees at 4 locations. State Bank of Cochran has a 4-star health rating.

State Bank of Cochran Routing Number: 061210237

Data for Q1 2012

Institution Statistics State Bank of Cochran FDIC Certificate # 872 BankRate Report View Year Established 1922 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $224.94 million Loans $148.92 million Deposits $199.88 million Equity Capital $24.38 million Loan Loss Allowance $5.55 million Unbacked Noncurrent Loans $1.97 million Real Estate Owned $2.95 million Historic Data - March 2011 Assets $226.49 million Equity Capital $23.25 million Loan Loss Allowance $6.09 million Unbacked Noncurrent Loans $6.35 million Real Estate Owned $4.20 million Profit Margin - Quarterly Net Interest Margin 5.02% Return on Assets 1% Return on Equity 9.27% Interest Income $2.96 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 State Bank of Cochran had $4.92 million in non-current loans and owned real-estate with $29.93 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Cochran a Texas Ratio of 16.43% 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 State Bank of Cochran decreased significantly from 35.96% as of March 31, 2011 to 16.43% as of March 31, 2012, resulting in a positive change of 54.31%.This indicates that the balance sheet and financial strength for State Bank of Cochran has improved significantly in recent periods. Deposit Growth In the past year, State Bank of Cochran has increased its total deposits by $3.2 million, resulting in 1.63% 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 State Bank of Cochran 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. State Bank of Cochran has $224.94 million in assets with $29.93 million in equity, resulting in a capitalization level of 13.31%, which is excellent.

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