Bank of Lincoln County

Bank of Lincoln County is headquartered in Fayetteville and is the 144^th largest bank in the state of Tennessee. It is also the 4,331^st largest bank in the nation. It was established in 2002 and as of December of 2011, it had grown to 37 employees at 3 locations. Bank of Lincoln County has a 3-star health rating.

Bank of Lincoln County Routing Number: 064108786

Data for Q4 2011

Institution Statistics Bank of Lincoln County FDIC Certificate # 57396 BankRate Report View Year Established 2002 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $124.88 million Loans $70.97 million Deposits $109.28 million Equity Capital $15.36 million Loan Loss Allowance $781,000 Unbacked Noncurrent Loans $851,000 Real Estate Owned $10.70 million Historic Data - December 2010 Assets $138.71 million Equity Capital $15.31 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $3.87 million Real Estate Owned $8.84 million Profit Margin - Quarterly Net Interest Margin 4.98% Return on Assets -0.14% Return on Equity -1.21% Interest Income $6.97 million

Institution Health Overall Score: 3 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 Lincoln County had $11.55 million in non-current loans and owned real-estate with $16.14 million in equity and loan loss allowances on hand to cover it. This gives Bank of Lincoln County a Texas Ratio of 71.56% which is below 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 Lincoln County held steady from 74.39% as of December 31, 2010 to 71.56% as of December 31, 2011, resulting in a positive change of 3.81%.This indicates that the balance sheet and financial strength for Bank of Lincoln County has held steady in recent periods. Deposit Growth In the past year, Bank of Lincoln County has decreased its total deposits by -$13.75 million, resulting in -11.17% 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 Lincoln County has shown is poor. 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 Lincoln County has $124.88 million in assets with $16.14 million in equity, resulting in a capitalization level of 12.93%, which is excellent.

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