Bank of Tennessee

Bank of Tennessee is headquartered in Kingsport and is the 20^th largest bank in the state of Tennessee. It is also the 1,021^st largest bank in the nation. It was established in 1974 and as of December of 2011, it had grown to 195 employees at 15 locations. Bank of Tennessee has a 4-star health rating.

Bank of Tennessee Routing Number: 064202705

Data for Q4 2011

Institution Statistics Bank of Tennessee FDIC Certificate # 21573 BankRate Report View Year Established 1974 Employees 195 Primary Regulator FDIC Assets and Liabilities Assets $640.03 million Loans $439.94 million Deposits $524.34 million Equity Capital $56.65 million Loan Loss Allowance $7.51 million Unbacked Noncurrent Loans $7.36 million Real Estate Owned $3.23 million Historic Data - December 2010 Assets $633.03 million Equity Capital $53.63 million Loan Loss Allowance $7.67 million Unbacked Noncurrent Loans $5.37 million Real Estate Owned $7.27 million Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.74% Return on Equity 8.64% Interest Income $26.24 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 Bank of Tennessee had $10.59 million in non-current loans and owned real-estate with $64.16 million in equity and loan loss allowances on hand to cover it. This gives Bank of Tennessee a Texas Ratio of 16.51% 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 Bank of Tennessee decreased slightly from 20.63% as of December 31, 2010 to 16.51% as of December 31, 2011, resulting in a positive change of 19.99%.This indicates that the balance sheet and financial strength for Bank of Tennessee has improved slightly in recent periods. Deposit Growth In the past year, Bank of Tennessee has increased its total deposits by $2.83 million, resulting in 0.54% 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 Tennessee 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. Bank of Tennessee has $640.03 million in assets with $64.16 million in equity, resulting in a capitalization level of 10.02%, which is above average.

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