Commercial Bank TN

Commercial Bank TN is headquartered in Harrogate and is the 11^st largest bank in the state of Tennessee. It is also the 784^th largest bank in the nation. It was established in 1976 and as of September of 2011, it had grown to 213 employees at 20 locations. Commercial Bank TN's money market rates are 14% higher than the national average, but it has a 2-star health rating.

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Data for Q3 2011

Institution Statistics Commercial Bank FDIC Certificate # 22354 BankRate Report View Year Established 1976 Employees 213 Primary Regulator FED Assets and Liabilities Assets $840.69 million Loans $556.59 million Deposits $656.88 million Equity Capital $88.58 million Loan Loss Allowance $8.26 million Unbacked Noncurrent Loans $40.88 million Real Estate Owned $22.59 million Historic Data - September 2010 Assets $856.72 million Equity Capital $90.52 million Loan Loss Allowance $8.21 million Unbacked Noncurrent Loans $32.05 million Real Estate Owned $22.90 million Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 0.15% Return on Equity 1.48% Interest Income $26.55 million

Institution Health Overall Score: 2 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 September 30, 2011 Commercial Bank TN had $63.47 million in non-current loans and owned real-estate with $96.83 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank TN a Texas Ratio of 65.55% 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 Commercial Bank TN increased slightly from 54.14% as of September 30, 2010 to 65.55% as of September 30, 2011, resulting in a negative change of 21.08%. This indicates that the balance sheet and financial strength for Commercial Bank TN has declined slightly in recent periods. Deposit Growth In the past year, Commercial Bank TN has decreased its total deposits by -$16.95 million, resulting in -2.52% 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 Commercial Bank TN has shown is below 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. Commercial Bank TN has $840.69 million in assets with $96.83 million in equity, resulting in a capitalization level of 11.52%, which is above average.

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