Vitals
  • Total Assets
    236.8M 3.6 %
  • Total Deposits
    205.3M 3.7 %
  • Total Net Loans
    138.0M 9.4 %
  • Net Income
    1.9M 6.4 %
  • Book Value
    30.5M 9.4 %
  • Book Value x2
    61.1M 9.4 %
  • Book Value x3
    91.6M 9.4 %
ROAA

1.081

ROAE

8.28

Efficiency Ratio

64.556

Net Interest Margin

4.19

Balance Sheet Highlights
Financial Highlights Exchange Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 236,774 247,607
Total Net Loans 138,042 156,011
Total Deposits 205,339 212,199
Total Equity 30,535 27,648
Profitability
Net Income 1,857 2,180
Return on Average Assets 1.081 1.008
Return on Average Equity 8.28 9.016
Net Interest Margin 4.19 4.028
Efficiency Ratio 64.556 71.784
Noninterest Income/Revenue 16.825 19.036
Balance Sheet Ratios
Loan-to-Deposit 67.226 72.795
Securities/Assets .317 .165
Total Equity/Total Assets .129 .112
Tangible Equity/Tangible Assets .125 .11
Capital Adequacy
Tier 1 Common Capital 29,221 25,721
Tier 1 Capital 29,221 25,796
Tier 2 Capital 1,928 1,898
Total Capital 31,149 27,748
Total Risk Weighted Assets 153,537 168,792
Leverage Ratio 12.61 10.74
Common Equity Tier 1 Capital Ratio 19.03 16.222
Tier 1 Capital Ratio 19.03 16.316
Total Capital Ratio 20.29 17.473

Timeline for Exchange Bank

Exchange Investment Services, Inc.

Exchange Investment Services, Inc. became a new subsidiary organization for Exchange Bank.

View Profile Dec 16 2003

Exchange Insurance Agency, Inc.

Exchange Insurance Agency, Inc. became a new subsidiary organization for Exchange Bank.

View Profile Jul 01 2000

Exchange Bankshares, Inc.

Exchange Bankshares, Inc. became a new parent organization for Exchange Bank.

View Profile Dec 12 1983

Exchange Bank

Exchange Bank was established 120 years ago and is currently headquartered in Milledgeville, GA.

Jun 01 1903
Relationships Role Relationship Start Relationship End
Exchange Bankshares, Inc. Parent 12/12/1983
Exchange Insurance Agency, Inc. Subsidary 6/30/2007
Exchange Investment Services, Inc. Subsidary 6/30/2007
Exchange Insurance Agency, Inc. Subsidary 7/1/2000 6/29/2007
Exchange Investment Services, Inc. Subsidary 12/16/2003 6/29/2007
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