Community Trust & Banking Company

Community Trust & Banking Company is headquartered in Ooltewah and is the 132^nd largest bank in the state of Tennessee. It is also the 4,113^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 36 employees at 4 locations. Community Trust & Banking Company has a 2-star health rating.

Data for Q1 2012

Institution Statistics Community Trust & Banking Company FDIC Certificate # 35138 BankRate Report View Year Established 1999 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $136.26 million Loans $95.04 million Deposits $123.11 million Equity Capital $12.12 million Loan Loss Allowance $2.35 million Unbacked Noncurrent Loans $6.49 million Real Estate Owned $3.80 million Historic Data - March 2011 Assets $147.41 million Equity Capital $11.99 million Loan Loss Allowance $2.88 million Unbacked Noncurrent Loans $2.78 million Real Estate Owned $4.45 million Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 0.22% Return on Equity 2.49% Interest Income $1.59 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 March 31, 2012 Community Trust & Banking Company had $10.29 million in non-current loans and owned real-estate with $14.47 million in equity and loan loss allowances on hand to cover it. This gives Community Trust & Banking Company a Texas Ratio of 71.11% 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 Community Trust & Banking Company increased slightly from 48.66% as of March 31, 2011 to 71.11% as of March 31, 2012, resulting in a negative change of 46.14%. This indicates that the balance sheet and financial strength for Community Trust & Banking Company has declined slightly in recent periods. Deposit Growth In the past year, Community Trust & Banking Company has decreased its total deposits by -$9.49 million, resulting in -7.15% 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 Trust & Banking Company 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 Trust & Banking Company has $136.26 million in assets with $14.47 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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