Waycross Bank & Trust

Waycross Bank & Trust is headquartered in Waycross and is the 96^th largest bank in the state of Georgia. It is also the 3,348^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 38 employees at 3 locations. Waycross Bank & Trust has a 5-star health rating.

Waycross Bank & Trust Routing Number: 061204052

Data for Q1 2012

Institution Statistics Waycross Bank & Trust FDIC Certificate # 27254 BankRate Report View Year Established 1988 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $182.42 million Loans $109.19 million Deposits $166.13 million Equity Capital $15.46 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $95,000 Historic Data - March 2011 Assets $149.19 million Equity Capital $13.66 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $40,000 Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 0.73% Return on Equity 8.41% Interest Income $1.74 million

Institution Health Overall Score: 5 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 Waycross Bank & Trust had $95,000 in non-current loans and owned real-estate with $16.86 million in equity and loan loss allowances on hand to cover it. This gives Waycross Bank & Trust a Texas Ratio of 0.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Waycross Bank & Trust held steady from 0.27% as of March 31, 2011 to 0.56% as of March 31, 2012, resulting in a negative change of 107.31%. This indicates that the balance sheet and financial strength for Waycross Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Waycross Bank & Trust has increased its total deposits by $31.45 million, resulting in 23.35% 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 Waycross Bank & Trust 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. Waycross Bank & Trust has $182.42 million in assets with $16.86 million in equity, resulting in a capitalization level of 9.24%, which is average.

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