Avenue Bank

Avenue Bank is headquartered in Nashville and is the 23^rd largest bank in the state of Tennessee. It is also the 1,053^rd largest bank in the nation. It was established in 1911 and as of December of 2011, it had grown to 93 employees at 6 locations. Avenue Bank has a 5-star health rating.

Avenue Bank Routing Number: 064009241

Data for Q4 2011

Institution Statistics Avenue Bank FDIC Certificate # 6106 BankRate Report View Year Established 1911 Employees 93 Primary Regulator FDIC Assets and Liabilities Assets $625.38 million Loans $395.65 million Deposits $482.41 million Equity Capital $81.25 million Loan Loss Allowance $6.55 million Unbacked Noncurrent Loans $2.62 million Real Estate Owned $4.06 million Historic Data - December 2010 Assets $588.59 million Equity Capital $47.40 million Loan Loss Allowance $5.65 million Unbacked Noncurrent Loans $4.92 million Real Estate Owned $4.78 million Profit Margin - Quarterly Net Interest Margin 2.99% Return on Assets 2.28% Return on Equity 22.53% Interest Income $21.85 million

Institution Health Overall Score: 5 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 Avenue Bank had $6.68 million in non-current loans and owned real-estate with $87.8 million in equity and loan loss allowances on hand to cover it. This gives Avenue Bank a Texas Ratio of 7.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Avenue Bank decreased significantly from 18.28% as of December 31, 2010 to 7.61% as of December 31, 2011, resulting in a positive change of 58.35%.This indicates that the balance sheet and financial strength for Avenue Bank has improved significantly in recent periods. Deposit Growth In the past year, Avenue Bank has increased its total deposits by $1.92 million, resulting in 0.4% 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 Avenue Bank has shown is 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. Avenue Bank has $625.38 million in assets with $87.8 million in equity, resulting in a capitalization level of 14.04%, which is excellent.

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