First Advantage Bank (TN)

First Advantage Bank (TN) is headquartered in Clarksville and is the 46^th largest bank in the state of Tennessee. It is also the 1,833^rd largest bank in the nation. It was established in 1953 and as of September of 2011, it had grown to 91 employees at 5 locations. First Advantage Bank (TN) has a 5-star health rating.

Data for Q3 2011

Institution Statistics First Federal Savings Bank OTS # 05763 FDIC Certificate # 30698 BankRate Report View Year Established 1953 Employees 91 Primary Regulator OCC Assets and Liabilities Assets $358.39 million Loans $243.83 million Deposits $233.15 million Equity Capital $52.77 million Loan Loss Allowance $3.80 million Unbacked Noncurrent Loans $2.15 million Real Estate Owned $1.29 million Historic Data - September 2010 Assets $344.83 million Equity Capital $49.83 million Loan Loss Allowance $3.07 million Unbacked Noncurrent Loans $2.48 million Real Estate Owned $966,000 Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 0.55% Return on Equity 3.72% Interest Income $13.16 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 September 30, 2011 First Advantage Bank (TN) had $3.44 million in non-current loans and owned real-estate with $56.57 million in equity and loan loss allowances on hand to cover it. This gives First Advantage Bank (TN) a Texas Ratio of 6.09% 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 Advantage Bank (TN) held steady from 6.48% as of September 30, 2010 to 6.09% as of September 30, 2011, resulting in a positive change of 5.99%.This indicates that the balance sheet and financial strength for First Advantage Bank (TN) has held steady in recent periods. Deposit Growth In the past year, First Advantage Bank (TN) has increased its total deposits by $11.86 million, resulting in 5.36% 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 Advantage Bank (TN) 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. First Advantage Bank (TN) has $358.38 million in assets with $56.57 million in equity, resulting in a capitalization level of 15.78%, which is excellent.

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