First Commerce Bank (TN)

First Commerce Bank (TN) is headquartered in Lewisburg and is the 72^nd largest bank in the state of Tennessee. It is also the 2,504^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 47 employees at 4 locations. First Commerce Bank (TN) has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Commerce Bank FDIC Certificate # 57465 BankRate Report View Year Established 2002 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $258.03 million Loans $157.19 million Deposits $225.10 million Equity Capital $24.32 million Loan Loss Allowance $2.01 million Real Estate Owned $621,000 Historic Data - March 2011 Assets $242.79 million Equity Capital $21.78 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $1.64 million Real Estate Owned $972,000 Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.99% Return on Equity 10.35% Interest Income $2.85 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 First Commerce Bank (TN) had $621,000 in non-current loans and owned real-estate with $26.32 million in equity and loan loss allowances on hand to cover it. This gives First Commerce Bank (TN) a Texas Ratio of 2.36% 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 First Commerce Bank (TN) decreased significantly from 10.85% as of March 31, 2011 to 2.36% as of March 31, 2012, resulting in a positive change of 78.26%.This indicates that the balance sheet and financial strength for First Commerce Bank (TN) has improved significantly in recent periods. Deposit Growth In the past year, First Commerce Bank (TN) has increased its total deposits by $10.64 million, resulting in 4.96% 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 First Commerce Bank (TN) has shown is above 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. First Commerce Bank (TN) has $258.03 million in assets with $26.32 million in equity, resulting in a capitalization level of 10.20%, which is above average.

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