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Overview / Commentary
423-783-1000
124 North Main Street
Greeneville , TN 37743

Andrew Johnson Bank is headquartered in Greeneville and is the 64th largest bank in the state of Tennessee. It is also the 2,243rd largest bank in the nation. It was established in 1975 and as of December of 2013, it had grown to 99 employees at 8 locations. Andrew Johnson Bank has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A

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, 2013 Andrew Johnson Bank had $3.05 million in non-current loans and owned real-estate with $32.54 million in equity and loan loss allowances on hand to cover it. This gives Andrew Johnson Bank a Texas Ratio of 9.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Andrew Johnson Bank decreased dramatically from 16.59% as of December 31, 2012 to 9.36% as of December 31, 2013, resulting in a positive change of 43.57%.This indicates that the balance sheet and financial strength for Andrew Johnson Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Andrew Johnson Bank has increased its total deposits by $5.47 million, resulting in 2.16% 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 Andrew Johnson Bank has shown is above average.

Capitalization

GRADE:
A

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. Andrew Johnson Bank has $287.85 million in assets with $32.54 million in equity, resulting in a capitalization level of 11.30%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #22015
Year Established1975
Employees99
Primary RegulatorFDIC
Assets and Liabilities
Assets$287.85 million
Loans$236.15 million
Deposits$258.80 million
Equity Capital$27.80 million
Loan Loss Allowance$4.74 million
Unbacked Noncurrent Loans$2.20 million
Real Estate Owned$845,000
Historic Data - December 2012
Assets$279.96 million
Equity Capital$25.87 million
Loan Loss Allowance$4.33 million
Unbacked Noncurrent Loans$2.20 million
Real Estate Owned$1.97 million
Profit Margin - Quarterly
Net Interest Margin4.9%
Return on Assets1.01%
Return on Equity10.73%
Interest Income$14.41 million
Rates
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Andrew Johnson Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.02%-$25kSky High Checking
0.15%--Sky High Checking
Locations


Andrew Johnson Bank Locations
Southwest Branch1102 West Main StreetGreeneville, TN 37744
Andrew Johnson Bank124 North Main StreetGreeneville, TN 37743
Jonesborough Branch1551 East Jackson BoulevardJonesborough, TN 37659
East By-Pass Branch1660 East Andrew Johnson Hwy.Greeneville, TN 37743
Andrew Johnson Bank Of Johnson City, Brown's Mill 3300 Brown's Mill RoadJohnson City, TN 37604
Morristown Branch435 West First North StreetMorristown, TN 37814
Cleveland Branch555 North Ocoee StreetCleveland, TN 37311