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Overview / Commentary
2 West Main Street
Samson, AL 36477

The Samson Banking Company, Inc. is headquartered in Samson and is the 128th largest bank in the state of Alabama. It is also the 5,886th largest bank in the nation. It was established in 1930 and as of March of 2014, it had grown to 17 employees at 1 location. The Samson Banking Company, Inc. has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Samson Banking Company, Inc. has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Samson Banking Company, Inc. had $278,000 in non-current loans and owned real-estate with $9.24 million in equity and loan loss allowances on hand to cover it. This gives The Samson Banking Company, Inc. a Texas Ratio of 3.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The Samson Banking Company, Inc. experienced no significant changes from 2.55% as of March 31, 2013 to 3.01% as of March 31, 2014, resulting in a negative change of 17.73%. This indicates that the balance sheet and financial strength for The Samson Banking Company, Inc. has had no significant changes in recent periods.

Deposit Growth

GRADE:
D

In the past year, The Samson Banking Company, Inc. has decreased its total deposits by -$4.73 million, resulting in -9.68% 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 Samson Banking Company, Inc. has shown is below average.

Capitalization

GRADE:
A+

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 Samson Banking Company, Inc. has $53.2 million in assets with $9.24 million in equity, resulting in a capitalization level of 17.38%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #16185
Year Established1930
Employees17
Primary RegulatorFDIC
Assets and Liabilities
Assets$53.20 million
Loans$21.84 million
Deposits$44.13 million
Equity Capital$9.00 million
Loan Loss Allowance$244,000
Unbacked Noncurrent Loans$188,000
Real Estate Owned$90,000
Historic Data - March 2013
Assets$57.86 million
Equity Capital$8.96 million
Loan Loss Allowance$245,000
Unbacked Noncurrent Loans$188,000
Real Estate Owned$115,000
Profit Margin - Quarterly
Net Interest Margin3.42%
Return on Assets1.21%
Return on Equity7.45%
Interest Income$444,000
Rates

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Locations


The Samson Banking Company, Inc. Locations
The Samson Banking Company, Inc.2 West Main StreetSamson, AL 36477