Troy Bank & Trust Company

Troy Bank & Trust Company is headquartered in Troy and is the 9^th largest bank in the state of Alabama. It is also the 778^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 124 employees at 9 locations. Troy Bank & Trust Company has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Troy Bank & Trust Company FDIC Certificate # 5598 BankRate Report View Year Established 1906 Employees 124 Primary Regulator FDIC Assets and Liabilities Assets $847.64 million Loans $461.58 million Deposits $705.59 million Equity Capital $81.72 million Loan Loss Allowance $8.35 million Unbacked Noncurrent Loans $12.62 million Real Estate Owned $14.63 million Historic Data - March 2011 Assets $830.44 million Equity Capital $76.92 million Loan Loss Allowance $8.30 million Unbacked Noncurrent Loans $20.97 million Real Estate Owned $5.89 million Profit Margin - Quarterly Net Interest Margin 3.1% Return on Assets 0.58% Return on Equity 6.02% Interest Income $9.42 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 Troy Bank & Trust Company had $27.25 million in non-current loans and owned real-estate with $90.07 million in equity and loan loss allowances on hand to cover it. This gives Troy Bank & Trust Company a Texas Ratio of 30.25% 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 Troy Bank & Trust Company held steady from 31.52% as of March 31, 2011 to 30.25% as of March 31, 2012, resulting in a positive change of 4.03%.This indicates that the balance sheet and financial strength for Troy Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Troy Bank & Trust Company has increased its total deposits by $6.24 million, resulting in 0.89% 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 Troy Bank & Trust Company 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. Troy Bank & Trust Company has $847.64 million in assets with $90.07 million in equity, resulting in a capitalization level of 10.63%, which is above average.

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