Civic Bank & Trust

Civic Bank & Trust is headquartered in Nashville and is the 133^rd largest bank in the state of Tennessee. It is also the 4,138^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 19 employees at 1 location. Civic Bank & Trust's savings rates are 4X the national average, and it has a 4-star health rating.

Civic Bank & Trust Routing Number: 064008983

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Data for Q1 2012

Institution Statistics Civic Bank & Trust FDIC Certificate # 58040 BankRate Report View Year Established 2005 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $135.09 million Loans $67.64 million Deposits $108.71 million Equity Capital $17.23 million Loan Loss Allowance $3.60 million Unbacked Noncurrent Loans $2.43 million Real Estate Owned $2.83 million Historic Data - March 2011 Assets $125.21 million Equity Capital $14.66 million Loan Loss Allowance $3.75 million Unbacked Noncurrent Loans $3.81 million Real Estate Owned $1.58 million Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.58% Return on Equity 4.57% Interest Income $1.56 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 March 31, 2012 Civic Bank & Trust had $5.25 million in non-current loans and owned real-estate with $20.83 million in equity and loan loss allowances on hand to cover it. This gives Civic Bank & Trust a Texas Ratio of 25.21% 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 Civic Bank & Trust held steady from 29.30% as of March 31, 2011 to 25.21% as of March 31, 2012, resulting in a positive change of 13.95%.This indicates that the balance sheet and financial strength for Civic Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Civic Bank & Trust has increased its total deposits by $5.87 million, resulting in 5.71% 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 Civic Bank & Trust 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. Civic Bank & Trust has $135.09 million in assets with $20.83 million in equity, resulting in a capitalization level of 15.42%, which is excellent.

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