The Woodbury Banking Company

The Woodbury Banking Company is headquartered in Woodbury and is the 234^th largest bank in the state of Georgia. It is also the 7,032^nd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 11 employees at 1 location. The Woodbury Banking Company has a 2-star health rating.

Data for Q1 2012

Institution Statistics The Woodbury Banking Company FDIC Certificate # 11297 BankRate Report View Year Established 1902 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $26.56 million Loans $14.85 million Deposits $24.77 million Equity Capital $1.74 million Loan Loss Allowance $347,000 Unbacked Noncurrent Loans $1.30 million Real Estate Owned $253,000 Historic Data - March 2011 Assets $28.12 million Equity Capital $1.84 million Loan Loss Allowance $324,000 Unbacked Noncurrent Loans $852,000 Real Estate Owned $428,000 Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.24% Return on Equity 3.66% Interest Income $268,000

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 Woodbury Banking Company had $1.55 million in non-current loans and owned real-estate with $2.09 million in equity and loan loss allowances on hand to cover it. This gives The Woodbury Banking Company a Texas Ratio of 74.14% 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 Woodbury Banking Company increased slightly from 59.23% as of March 31, 2011 to 74.14% as of March 31, 2012, resulting in a negative change of 25.17%. This indicates that the balance sheet and financial strength for The Woodbury Banking Company has declined slightly in recent periods. Deposit Growth In the past year, The Woodbury Banking Company has decreased its total deposits by -$1.43 million, resulting in -5.45% 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 Woodbury Banking Company 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 Woodbury Banking Company has $26.56 million in assets with $2.09 million in equity, resulting in a capitalization level of 7.86%, which is below average.

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