The Brand Banking Company

The Brand Banking Company is headquartered in Lawrenceville and is the 12^st largest bank in the state of Georgia. It is also the 523^rd largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 458 employees at 7 locations. The Brand Banking Company has a 2-star health rating.

Data for Q1 2012

Institution Statistics The Brand Banking Company FDIC Certificate # 878 BankRate Report View Year Established 1905 Employees 458 Primary Regulator FED Assets and Liabilities Assets $1.28 billion Loans $945.53 million Deposits $1.03 billion Equity Capital $139.16 million Loan Loss Allowance $51.44 million Unbacked Noncurrent Loans $228.72 million Real Estate Owned $10.22 million Historic Data - March 2011 Assets $1.18 billion Equity Capital $56.87 million Loan Loss Allowance $36.61 million Unbacked Noncurrent Loans $135.67 million Real Estate Owned $13.34 million Profit Margin - Quarterly Net Interest Margin 3.02% Return on Assets -2.03% Return on Equity -18.57% Interest Income $10.72 million

Institution Health Overall Score: 2 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 The Brand Banking Company had $238.94 million in non-current loans and owned real-estate with $190.59 million in equity and loan loss allowances on hand to cover it. This gives The Brand Banking Company a Texas Ratio of 125.37% 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 The Brand Banking Company decreased slightly from 159.40% as of March 31, 2011 to 125.37% as of March 31, 2012, resulting in a positive change of 21.35%.This indicates that the balance sheet and financial strength for The Brand Banking Company has improved slightly in recent periods. Deposit Growth In the past year, The Brand Banking Company has increased its total deposits by $6.88 million, resulting in 0.67% 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 The Brand Banking Company has shown is 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. The Brand Banking Company has $1.28 billion in assets with $190.59 million in equity, resulting in a capitalization level of 14.92%, which is excellent.

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