Commerce Union Bank

Commerce Union Bank is headquartered in Springfield and is the 87^th largest bank in the state of Tennessee. It is also the 2,926^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 43 employees at 3 locations. Commerce Union Bank has a 5-star health rating.

Commerce Union Bank Routing Number: 064109167

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Data for Q1 2012

Institution Statistics Commerce Union Bank FDIC Certificate # 58366 BankRate Report View Year Established 2006 Employees 43 Primary Regulator FED Assets and Liabilities Assets $217.76 million Loans $161.14 million Deposits $166.85 million Equity Capital $32.51 million Loan Loss Allowance $2.29 million Unbacked Noncurrent Loans $1.89 million Historic Data - March 2011 Assets $189.59 million Equity Capital $31.15 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $1.25 million Real Estate Owned $196,000 Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets 0.81% Return on Equity 5.35% Interest Income $2.56 million

Institution Health Overall Score: 5 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 Commerce Union Bank had $1.89 million in non-current loans and owned real-estate with $34.8 million in equity and loan loss allowances on hand to cover it. This gives Commerce Union Bank a Texas Ratio of 5.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commerce Union Bank held steady from 4.42% as of March 31, 2011 to 5.43% as of March 31, 2012, resulting in a negative change of 23.07%. This indicates that the balance sheet and financial strength for Commerce Union Bank has held steady in recent periods. Deposit Growth In the past year, Commerce Union Bank has increased its total deposits by $25.16 million, resulting in 17.76% 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 Commerce Union 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. Commerce Union Bank has $217.76 million in assets with $34.8 million in equity, resulting in a capitalization level of 15.98%, which is excellent.

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