American City Bank of Tullahoma

American City Bank of Tullahoma is headquartered in Tullahoma and is the 78^th largest bank in the state of Tennessee. It is also the 2,650^th largest bank in the nation. It was established in 1974 and as of December of 2011, it had grown to 55 employees at 4 locations. American City Bank of Tullahoma has a 4-star health rating.

Data for Q4 2011

Institution Statistics American City Bank of Tullahoma FDIC Certificate # 21663 BankRate Report View Year Established 1974 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $240.82 million Loans $178.83 million Deposits $190.56 million Equity Capital $35.79 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $4.98 million Real Estate Owned $2.04 million Historic Data - December 2010 Assets $238.61 million Equity Capital $33.78 million Loan Loss Allowance $3.28 million Unbacked Noncurrent Loans $1.53 million Real Estate Owned $2.55 million Profit Margin - Quarterly Net Interest Margin 4.55% Return on Assets 0.94% Return on Equity 6.39% Interest Income $12.76 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 December 31, 2011 American City Bank of Tullahoma had $7.02 million in non-current loans and owned real-estate with $38.07 million in equity and loan loss allowances on hand to cover it. This gives American City Bank of Tullahoma a Texas Ratio of 18.43% 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 American City Bank of Tullahoma increased slightly from 11.03% as of December 31, 2010 to 18.43% as of December 31, 2011, resulting in a negative change of 67.10%. This indicates that the balance sheet and financial strength for American City Bank of Tullahoma has declined slightly in recent periods. Deposit Growth In the past year, American City Bank of Tullahoma has increased its total deposits by $2.31 million, resulting in 1.23% 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 American City Bank of Tullahoma has shown is above average. 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. American City Bank of Tullahoma has $240.82 million in assets with $38.07 million in equity, resulting in a capitalization level of 15.81%, which is excellent.

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