First Century Bank, National Association

Weiss Ratings	First Century Bank, National Association Commerce, GA	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	10.00
Capitalization Index	10.00
Liquidity Index	6.60
Profitability Index	9.00
Stability Index	6.00

Company Info	First Century Bank, National Association Commerce, GA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	57123
Phone Number	(770) 297-8060
Website	www.myfirstcenturybank.com

Asset Quality	First Century Bank, National Association Commerce, GA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-14.95%
5-Year Asset Growth	66.58%
5-Year Charge-Offs to Average Loans	5.86%
Charge-Offs to Average Loans	5.33%
Non-Performing Assets to Assets	0.68%
Non-Performing Loans to Capital	0.54%
Non-Performing Loans to Loans	1.17%

Balance Sheet	First Century Bank, National Association Commerce, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	607.67M
Total Deposits	529.09M

Capital and Reserves	First Century Bank, National Association Commerce, GA	Click to Compare	Click to Compare	Click to Compare
Capital	74.99M
Leverage Ratio	18.17
Loan Loss Reserves to Loans	0.64%
Risk-Based Capital Ratio	--

Liquidity	First Century Bank, National Association Commerce, GA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.51%
Liquidity Ratio	78.66%

Profitability	First Century Bank, National Association Commerce, GA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.57%
Net Income	10.30M
Net Interest Spread	5.43%
Operating Profit to Average Assets	2.45%
Overhead Efficiency Ratio	51.05%
Return on Assets	1.91%
Return on Equity	14.51%