The National Bank of Georgia

The National Bank of Georgia is headquartered in Athens and is the 55^th largest bank in the state of Georgia. It is also the 2,154^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 41 employees at 3 locations. The National Bank of Georgia's savings rates are 25% higher than the national average, and it has a 3-star health rating.

The National Bank of Georgia Checking Account Rates

The National Bank of Georgia Savings Account Rates

The National Bank of Georgia Money Market Rates

The National Bank of Georgia CD Rates

The National Bank of Georgia IRA Rates

Data for Q1 2012

Institution Statistics The National Bank of Georgia FDIC Certificate # 35338 BankRate Report View Year Established 2000 Employees 41 Primary Regulator OCC Assets and Liabilities Assets $303.35 million Loans $235.45 million Deposits $247.62 million Equity Capital $27.80 million Loan Loss Allowance $3.80 million Unbacked Noncurrent Loans $6.68 million Real Estate Owned $6.70 million Historic Data - March 2011 Assets $287.72 million Equity Capital $26.45 million Loan Loss Allowance $3.65 million Unbacked Noncurrent Loans $6.39 million Real Estate Owned $4.65 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 1.02% Return on Equity 11.44% Interest Income $3.86 million

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 National Bank of Georgia had $13.38 million in non-current loans and owned real-estate with $31.61 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Georgia a Texas Ratio of 42.33% 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 National Bank of Georgia increased slightly from 36.69% as of March 31, 2011 to 42.33% as of March 31, 2012, resulting in a negative change of 15.36%. This indicates that the balance sheet and financial strength for The National Bank of Georgia has declined slightly in recent periods. Deposit Growth In the past year, The National Bank of Georgia has increased its total deposits by $14.14 million, resulting in 6.05% 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 National Bank of Georgia has shown is excellent. 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 National Bank of Georgia has $303.35 million in assets with $31.61 million in equity, resulting in a capitalization level of 10.42%, which is above average.

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