Vidalia Federal Savings Bank

Vidalia Federal Savings Bank is headquartered in Vidalia and is the 76^th largest bank in the state of Georgia. It is also the 2,813^st largest bank in the nation. It was established in 1936 and as of March of 2012, it had grown to 32 employees at 2 locations. Vidalia Federal Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Vidalia Federal Savings Bank OTS # 04067 FDIC Certificate # 29772 BankRate Report View Year Established 1936 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $226.88 million Loans $86.46 million Deposits $200.04 million Equity Capital $26.57 million Loan Loss Allowance $470,000 Unbacked Noncurrent Loans $2.41 million Real Estate Owned $252,000 Historic Data - March 2011 Assets $214.68 million Equity Capital $25.48 million Loan Loss Allowance $351,000 Unbacked Noncurrent Loans $1.46 million Real Estate Owned $437,000 Profit Margin - Quarterly Net Interest Margin 2.51% Return on Assets 0.58% Return on Equity 4.83% Interest Income $2.12 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 Vidalia Federal Savings Bank had $2.66 million in non-current loans and owned real-estate with $27.04 million in equity and loan loss allowances on hand to cover it. This gives Vidalia Federal Savings Bank a Texas Ratio of 9.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Vidalia Federal Savings Bank held steady from 7.34% as of March 31, 2011 to 9.84% as of March 31, 2012, resulting in a negative change of 34.12%. This indicates that the balance sheet and financial strength for Vidalia Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Vidalia Federal Savings Bank has increased its total deposits by $11.08 million, resulting in 5.86% 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 Vidalia Federal Savings 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. Vidalia Federal Savings Bank has $226.88 million in assets with $27.04 million in equity, resulting in a capitalization level of 11.92%, which is above average.

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