The Carver State Bank

The Carver State Bank is headquartered in Savannah and is the 223^rd largest bank in the state of Georgia. It is also the 6,621^st largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 16 employees at 2 locations. The Carver State Bank has a 2-star health rating.

The Carver State Bank Routing Number: 061200658

Data for Q1 2012

Institution Statistics The Carver State Bank FDIC Certificate # 16584 BankRate Report View Year Established 1927 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $41.60 million Loans $25.88 million Deposits $33.46 million Equity Capital $3.66 million Loan Loss Allowance $190,000 Unbacked Noncurrent Loans $1.18 million Real Estate Owned $2.10 million Historic Data - March 2011 Assets $40.92 million Equity Capital $3.17 million Loan Loss Allowance $243,000 Unbacked Noncurrent Loans $744,000 Real Estate Owned $2.13 million Profit Margin - Quarterly Net Interest Margin 5.37% Return on Assets 0.12% Return on Equity 1.42% Interest Income $562,000

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 Carver State Bank had $3.27 million in non-current loans and owned real-estate with $3.85 million in equity and loan loss allowances on hand to cover it. This gives The Carver State Bank a Texas Ratio of 85.08% 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 Carver State Bank held steady from 84.09% as of March 31, 2011 to 85.08% as of March 31, 2012, resulting in a negative change of 1.18%. This indicates that the balance sheet and financial strength for The Carver State Bank has held steady in recent periods. Deposit Growth In the past year, The Carver State Bank has increased its total deposits by $254,000, resulting in 0.76% 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 Carver State Bank 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 Carver State Bank has $41.6 million in assets with $3.85 million in equity, resulting in a capitalization level of 9.25%, which is average.

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