Community National Bank of the Lakeway Area

Community National Bank of the Lakeway Area is headquartered in Morristown and is the 148^th largest bank in the state of Tennessee. It is also the 4,627^th largest bank in the nation. It was established in 2003 and as of March of 2013, it had grown to 31 employees at 3 locations. Community National Bank of the Lakeway Area has a 3-star health rating.

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Data for Q1 2013

Institution Statistics Community National Bank of the Lakeway Area FDIC Certificate # 57445 BankRate Report View Year Established 2003 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $109.12 million Loans $58.09 million Deposits $88.57 million Equity Capital $12.07 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $371,000 Real Estate Owned $1.71 million Historic Data - March 2012 Assets $116.79 million Equity Capital $12.33 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $523,000 Real Estate Owned $2.01 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.04% Return on Equity 0.33% Interest Income $1.07 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, 2013 Community National Bank of the Lakeway Area had $2.08 million in non-current loans and owned real-estate with $13.14 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank of the Lakeway Area a Texas Ratio of 15.85% 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 Community National Bank of the Lakeway Area decreased slightly from 18.78% as of March 31, 2012 to 15.85% as of March 31, 2013, resulting in a positive change of 15.60%.This indicates that the balance sheet and financial strength for Community National Bank of the Lakeway Area has improved slightly in recent periods. Deposit Growth In the past year, Community National Bank of the Lakeway Area has decreased its total deposits by -$5.07 million, resulting in -5.42% 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 Community National Bank of the Lakeway Area has shown is poor. 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. Community National Bank of the Lakeway Area has $109.12 million in assets with $13.14 million in equity, resulting in a capitalization level of 12.04%, which is excellent.