CedarStone Bank

CedarStone Bank is headquartered in Lebanon and is the 116^st largest bank in the state of Tennessee. It is also the 3,731^st largest bank in the nation. It was established in 2004 and as of December of 2011, it had grown to 30 employees at 3 locations. CedarStone Bank has a 3-star health rating.

CedarStone Bank Routing Number: 064108883

Data for Q4 2011

Institution Statistics CedarStone Bank FDIC Certificate # 57684 BankRate Report View Year Established 2004 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $156.32 million Loans $105.09 million Deposits $123.40 million Equity Capital $13.75 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $2.84 million Real Estate Owned $286,000 Historic Data - December 2010 Assets $145.62 million Equity Capital $12.96 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $8,000 Real Estate Owned $90,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.66% Return on Equity 7.5% Interest Income $7.48 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 CedarStone Bank had $3.13 million in non-current loans and owned real-estate with $15.46 million in equity and loan loss allowances on hand to cover it. This gives CedarStone Bank a Texas Ratio of 20.24% 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 CedarStone Bank increased slightly from 0.66% as of December 31, 2010 to 20.24% as of December 31, 2011, resulting in a negative change of 2,988.58%. This indicates that the balance sheet and financial strength for CedarStone Bank has declined slightly in recent periods. Deposit Growth In the past year, CedarStone Bank has increased its total deposits by $7.54 million, resulting in 6.51% 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 CedarStone Bank has shown is excellent. 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. CedarStone Bank has $156.32 million in assets with $15.46 million in equity, resulting in a capitalization level of 9.89%, which is average.

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