First Volunteer Bank of Tennessee

First Volunteer Bank of Tennessee is headquartered in Chattanooga and is the 19^st largest bank in the state of Tennessee. It is also the 1,007^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 230 employees at 23 locations. First Volunteer Bank of Tennessee has a 3-star health rating.

First Volunteer Bank of Tennessee Routing Number: 061303348

Data for Q1 2012

Institution Statistics First Volunteer Bank of Tennessee FDIC Certificate # 10307 BankRate Report View Year Established 1904 Employees 230 Primary Regulator FDIC Assets and Liabilities Assets $659.99 million Loans $454.49 million Deposits $580.19 million Equity Capital $63.42 million Loan Loss Allowance $6.05 million Unbacked Noncurrent Loans $5.50 million Real Estate Owned $9.47 million Historic Data - March 2011 Assets $682.96 million Equity Capital $65.65 million Loan Loss Allowance $6.06 million Unbacked Noncurrent Loans $10.35 million Real Estate Owned $8.23 million Profit Margin - Quarterly Net Interest Margin 4.85% Return on Assets 0.98% Return on Equity 9.78% Interest Income $7.78 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, 2012 First Volunteer Bank of Tennessee had $14.96 million in non-current loans and owned real-estate with $69.47 million in equity and loan loss allowances on hand to cover it. This gives First Volunteer Bank of Tennessee a Texas Ratio of 21.54% 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 First Volunteer Bank of Tennessee decreased slightly from 25.92% as of March 31, 2011 to 21.54% as of March 31, 2012, resulting in a positive change of 16.88%.This indicates that the balance sheet and financial strength for First Volunteer Bank of Tennessee has improved slightly in recent periods. Deposit Growth In the past year, First Volunteer Bank of Tennessee has decreased its total deposits by -$22.74 million, resulting in -3.77% 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 Volunteer Bank of Tennessee 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. First Volunteer Bank of Tennessee has $659.99 million in assets with $69.47 million in equity, resulting in a capitalization level of 10.53%, which is above average.

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