Stephens Federal Bank

Stephens Federal Bank is headquartered in Toccoa and is the 95^th largest bank in the state of Georgia. It is also the 3,322^nd largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 43 employees at 4 locations. Stephens Federal Bank has a 1-star health rating.

Stephens Federal Bank Routing Number: 261170818

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Data for Q1 2012

Institution Statistics Stephens Federal Bank OTS # 03576 FDIC Certificate # 29511 BankRate Report View Year Established 1933 Employees 43 Primary Regulator OCC Assets and Liabilities Assets $184.29 million Loans $136.31 million Deposits $172.58 million Equity Capital $7.92 million Loan Loss Allowance $4.94 million Unbacked Noncurrent Loans $5.30 million Real Estate Owned $14.32 million Historic Data - March 2011 Assets $205.34 million Equity Capital $16.24 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $5.82 million Real Estate Owned $11.76 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets -0.5% Return on Equity -11.51% Interest Income $1.87 million

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 Stephens Federal Bank had $19.63 million in non-current loans and owned real-estate with $12.85 million in equity and loan loss allowances on hand to cover it. This gives Stephens Federal Bank a Texas Ratio of 152.72% 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 Stephens Federal Bank increased slightly from 96.54% as of March 31, 2011 to 152.72% as of March 31, 2012, resulting in a negative change of 58.20%. This indicates that the balance sheet and financial strength for Stephens Federal Bank has declined slightly in recent periods. Deposit Growth In the past year, Stephens Federal Bank has decreased its total deposits by -$13.5 million, resulting in -7.26% 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 Stephens Federal 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. Stephens Federal Bank has $184.29 million in assets with $12.85 million in equity, resulting in a capitalization level of 6.97%, which is below average.

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