The Four County Bank

The Four County Bank is headquartered in Allentown and is the 212^st largest bank in the state of Georgia. It is also the 6,025^th largest bank in the nation. It was established in 1941 and as of March of 2012, it had grown to 12 employees at 1 location. The Four County Bank has a 3-star health rating.

The Four County Bank Routing Number: 061112034

Data for Q1 2012

Institution Statistics The Four County Bank FDIC Certificate # 15904 BankRate Report View Year Established 1941 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $61.76 million Loans $39.64 million Deposits $56.03 million Equity Capital $5.63 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $1.07 million Real Estate Owned $2.21 million Historic Data - March 2011 Assets $68.14 million Equity Capital $3.12 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $1.61 million Real Estate Owned $2.78 million Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 1.49% Return on Equity 16.72% Interest Income $782,000

Institution Health Overall Score: 3 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 Four County Bank had $3.28 million in non-current loans and owned real-estate with $6.86 million in equity and loan loss allowances on hand to cover it. This gives The Four County Bank a Texas Ratio of 47.83% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Four County Bank decreased significantly from 95.94% as of March 31, 2011 to 47.83% as of March 31, 2012, resulting in a positive change of 50.15%.This indicates that the balance sheet and financial strength for The Four County Bank has improved significantly in recent periods. Deposit Growth In the past year, The Four County Bank has decreased its total deposits by -$6.86 million, resulting in -10.9% 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 Four County 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. The Four County Bank has $61.76 million in assets with $6.86 million in equity, resulting in a capitalization level of 11.10%, which is above average.

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