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 1,132^nd largest bank in the nation. It was established in 1972 and as of December of 2012, it had grown to 230 employees at 22 locations. Citizens Tri-County Bank has a 3-star health rating.

Citizens Tri-County Bank Routing Number: 064102070

Data for Q4 2012

Institution Statistics Citizens Tri-County Bank FDIC Certificate # 20818 BankRate Report View Year Established 1972 Employees 230 Primary Regulator FDIC Assets and Liabilities Assets $592.67 million Loans $282.76 million Deposits $525.23 million Equity Capital $63.33 million Loan Loss Allowance $6.34 million Unbacked Noncurrent Loans $15.73 million Real Estate Owned $8.26 million Historic Data - December 2011 Assets $568.46 million Equity Capital $61.13 million Loan Loss Allowance $6.47 million Unbacked Noncurrent Loans $17.83 million Real Estate Owned $10.61 million Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 1.03% Return on Equity 9.69% Interest Income $27.86 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, 2012 Citizens Tri-County Bank had $24 million in non-current loans and owned real-estate with $69.67 million in equity and loan loss allowances on hand to cover it. This gives Citizens Tri-County Bank a Texas Ratio of 34.44% 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 decreased slightly from 42.07% as of December 31, 2011 to 34.44% as of December 31, 2012, resulting in a positive change of 18.13%.This indicates that the balance sheet and financial strength for Citizens Tri-County Bank has improved slightly in recent periods. Deposit Growth In the past year, Citizens Tri-County Bank has increased its total deposits by $21.86 million, resulting in 4.34% 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 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. Citizens Tri-County Bank has $592.67 million in assets with $69.67 million in equity, resulting in a capitalization level of 11.75%, which is above average.