The Trust Bank

The Trust Bank is headquartered in Lenox and is the 230^th largest bank in the state of Georgia. It is also the 6,946^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 14 employees at 3 locations. The Trust Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Trust Bank FDIC Certificate # 13832 BankRate Report View Year Established 1907 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $29.87 million Loans $15.07 million Deposits $26.70 million Equity Capital $2.65 million Loan Loss Allowance $364,000 Unbacked Noncurrent Loans $227,000 Real Estate Owned $1.75 million Historic Data - March 2011 Assets $29.65 million Equity Capital $2.32 million Loan Loss Allowance $305,000 Unbacked Noncurrent Loans $605,000 Real Estate Owned $2.20 million Profit Margin - Quarterly Net Interest Margin 5.74% Return on Assets 1.8% Return on Equity 20.83% Interest Income $416,000

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 Trust Bank had $1.98 million in non-current loans and owned real-estate with $3.01 million in equity and loan loss allowances on hand to cover it. This gives The Trust Bank a Texas Ratio of 65.81% 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 Trust Bank decreased significantly from 111.39% as of March 31, 2011 to 65.81% as of March 31, 2012, resulting in a positive change of 40.91%.This indicates that the balance sheet and financial strength for The Trust Bank has improved significantly in recent periods. Deposit Growth In the past year, The Trust Bank has decreased its total deposits by $-56,000, resulting in -0.21% 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 Trust 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 Trust Bank has $29.87 million in assets with $3.01 million in equity, resulting in a capitalization level of 10.08%, which is above average.

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