Citizens Tri-County Bank

Citizens Tri-County Bank is headquartered in Dunlap and is the 25^th largest bank in the state of Tennessee. It is also the 1,123^rd largest bank in the nation. It was established in 1972 and as of March of 2012, it had grown to 227 employees at 22 locations. Citizens Tri-County Bank has a 3-star health rating.

Citizens Tri-County Bank Routing Number: 064102070

Data for Q1 2012

Institution Statistics Citizens Tri-County Bank FDIC Certificate # 20818 BankRate Report View Year Established 1972 Employees 227 Primary Regulator FDIC Assets and Liabilities Assets $594.83 million Loans $294.15 million Deposits $529.53 million Equity Capital $61.58 million Loan Loss Allowance $7.55 million Unbacked Noncurrent Loans $16.85 million Real Estate Owned $9.89 million Historic Data - March 2011 Assets $520.97 million Equity Capital $52.47 million Loan Loss Allowance $7.31 million Unbacked Noncurrent Loans $13.14 million Real Estate Owned $9.42 million Profit Margin - Quarterly Net Interest Margin 4.62% Return on Assets 1.02% Return on Equity 9.71% Interest Income $6.73 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 March 31, 2012 Citizens Tri-County Bank had $26.74 million in non-current loans and owned real-estate with $69.13 million in equity and loan loss allowances on hand to cover it. This gives Citizens Tri-County Bank a Texas Ratio of 38.68% 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 Citizens Tri-County Bank held steady from 37.75% as of March 31, 2011 to 38.68% as of March 31, 2012, resulting in a negative change of 2.45%. This indicates that the balance sheet and financial strength for Citizens Tri-County Bank has held steady in recent periods. Deposit Growth In the past year, Citizens Tri-County Bank has increased its total deposits by $64.74 million, resulting in 13.93% 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 Citizens Tri-County 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. Citizens Tri-County Bank has $594.83 million in assets with $69.13 million in equity, resulting in a capitalization level of 11.62%, which is above average.

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