Bank of Gleason

Bank of Gleason is headquartered in Gleason and is the 145^th largest bank in the state of Tennessee. It is also the 4,388^th largest bank in the nation. It was established in 1901 and as of December of 2011, it had grown to 26 employees at 2 locations. Bank of Gleason has a 5-star health rating.

Data for Q4 2011

Institution Statistics Bank of Gleason FDIC Certificate # 2379 BankRate Report View Year Established 1901 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $122.41 million Loans $40.40 million Deposits $99.59 million Equity Capital $21.54 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $949,000 Real Estate Owned $1.08 million Historic Data - December 2010 Assets $115.35 million Equity Capital $18.58 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $1.82 million Real Estate Owned $603,000 Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 1.11% Return on Equity 6.56% Interest Income $5.22 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 Bank of Gleason had $2.03 million in non-current loans and owned real-estate with $22.59 million in equity and loan loss allowances on hand to cover it. This gives Bank of Gleason a Texas Ratio of 8.97% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Gleason decreased slightly from 12.17% as of December 31, 2010 to 8.97% as of December 31, 2011, resulting in a positive change of 26.23%.This indicates that the balance sheet and financial strength for Bank of Gleason has improved slightly in recent periods. Deposit Growth In the past year, Bank of Gleason has increased its total deposits by $3.16 million, resulting in 3.28% 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 Bank of Gleason 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. Bank of Gleason has $122.41 million in assets with $22.59 million in equity, resulting in a capitalization level of 18.45%, which is excellent.

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