Foothills Bank & Trust

Foothills Bank & Trust is headquartered in Maryville and is the 121^st largest bank in the state of Tennessee. It is also the 3,835^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 30 employees at 3 locations. Foothills Bank & Trust has a 5-star health rating.

Data for Q1 2012

Institution Statistics Foothills Bank & Trust FDIC Certificate # 58591 BankRate Report View Year Established 2007 Employees 30 Primary Regulator FED Assets and Liabilities Assets $152.34 million Loans $102.48 million Deposits $124.26 million Equity Capital $17.39 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $1.40 million Real Estate Owned $845,000 Historic Data - March 2011 Assets $132.48 million Equity Capital $17.03 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $899,000 Real Estate Owned $360,000 Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 0.43% Return on Equity 3.8% Interest Income $1.52 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 Foothills Bank & Trust had $2.25 million in non-current loans and owned real-estate with $19.1 million in equity and loan loss allowances on hand to cover it. This gives Foothills Bank & Trust a Texas Ratio of 11.76% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Foothills Bank & Trust held steady from 6.84% as of March 31, 2011 to 11.76% as of March 31, 2012, resulting in a negative change of 71.83%. This indicates that the balance sheet and financial strength for Foothills Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Foothills Bank & Trust has increased its total deposits by $18.9 million, resulting in 17.94% 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 Foothills Bank & Trust 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. Foothills Bank & Trust has $152.34 million in assets with $19.1 million in equity, resulting in a capitalization level of 12.54%, which is excellent.

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