Thomasville National Bank

Thomasville National Bank is headquartered in Thomasville and is the 31^st largest bank in the state of Georgia. It is also the 1,408^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 70 employees at 3 locations. Thomasville National Bank has a 4-star health rating.

Thomasville National Bank Routing Number: 061204858

Data for Q1 2012

Institution Statistics Thomasville National Bank FDIC Certificate # 34068 BankRate Report View Year Established 1995 Employees 70 Primary Regulator OCC Assets and Liabilities Assets $478.71 million Loans $396.42 million Deposits $423.70 million Equity Capital $45.39 million Loan Loss Allowance $7.57 million Unbacked Noncurrent Loans $7.83 million Real Estate Owned $237,000 Historic Data - March 2011 Assets $443.89 million Equity Capital $41.80 million Loan Loss Allowance $6.10 million Unbacked Noncurrent Loans $3.35 million Real Estate Owned $664,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 1.26% Return on Equity 13.23% Interest Income $4.97 million

Institution Health Overall Score: 4 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 Thomasville National Bank had $8.06 million in non-current loans and owned real-estate with $52.96 million in equity and loan loss allowances on hand to cover it. This gives Thomasville National Bank a Texas Ratio of 15.23% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Thomasville National Bank increased slightly from 8.39% as of March 31, 2011 to 15.23% as of March 31, 2012, resulting in a negative change of 81.58%. This indicates that the balance sheet and financial strength for Thomasville National Bank has declined slightly in recent periods. Deposit Growth In the past year, Thomasville National Bank has increased its total deposits by $29.75 million, resulting in 7.55% 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 Thomasville National Bank 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. Thomasville National Bank has $478.71 million in assets with $52.96 million in equity, resulting in a capitalization level of 11.06%, which is above average.

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