Wilcox County State Bank

Wilcox County State Bank is headquartered in Abbeville and is the 195^th largest bank in the state of Georgia. It is also the 5,492^nd largest bank in the nation. It was established in 1952 and as of March of 2012, it had grown to 18 employees at 3 locations. Wilcox County State Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Wilcox County State Bank FDIC Certificate # 17126 BankRate Report View Year Established 1952 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $79.61 million Loans $49.81 million Deposits $72.36 million Equity Capital $6.90 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $401,000 Real Estate Owned $1.04 million Historic Data - March 2011 Assets $75.10 million Equity Capital $6.11 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $282,000 Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 0.48% Return on Equity 5.61% Interest Income $803,000

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 Wilcox County State Bank had $1.44 million in non-current loans and owned real-estate with $7.93 million in equity and loan loss allowances on hand to cover it. This gives Wilcox County State Bank a Texas Ratio of 18.16% 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 Wilcox County State Bank held steady from 18.36% as of March 31, 2011 to 18.16% as of March 31, 2012, resulting in a positive change of 1.10%.This indicates that the balance sheet and financial strength for Wilcox County State Bank has held steady in recent periods. Deposit Growth In the past year, Wilcox County State Bank has increased its total deposits by $3.57 million, resulting in 5.19% 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 Wilcox County State 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. Wilcox County State Bank has $79.61 million in assets with $7.93 million in equity, resulting in a capitalization level of 9.96%, which is average.

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