FSGBANK, National Association

FSGBANK, National Association is headquartered in Chattanooga and is the 7^th largest bank in the state of Tennessee. It is also the 582^nd largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 308 employees at 30 locations. FSGBANK, National Association has a 2-star health rating.

Data for Q1 2012

Institution Statistics FSGBANK, National Association FDIC Certificate # 35525 BankRate Report View Year Established 2000 Employees 308 Primary Regulator OCC Assets and Liabilities Assets $1.13 billion Loans $584.93 million Deposits $1.04 billion Equity Capital $61.87 million Loan Loss Allowance $18.99 million Unbacked Noncurrent Loans $46.84 million Real Estate Owned $24.72 million Historic Data - March 2011 Assets $1.11 billion Equity Capital $88.17 million Loan Loss Allowance $22.50 million Unbacked Noncurrent Loans $56.82 million Real Estate Owned $28.07 million Profit Margin - Quarterly Net Interest Margin 2.45% Return on Assets -1.97% Return on Equity -34.05% Interest Income $9.69 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 FSGBANK, National Association had $71.55 million in non-current loans and owned real-estate with $80.86 million in equity and loan loss allowances on hand to cover it. This gives FSGBANK, National Association a Texas Ratio of 88.50% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for FSGBANK, National Association increased slightly from 76.70% as of March 31, 2011 to 88.50% as of March 31, 2012, resulting in a negative change of 15.37%. This indicates that the balance sheet and financial strength for FSGBANK, National Association has declined slightly in recent periods. Deposit Growth In the past year, FSGBANK, National Association has increased its total deposits by $38.18 million, resulting in 3.81% 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 FSGBANK, National Association 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. FSGBANK, National Association has $1.13 billion in assets with $80.86 million in equity, resulting in a capitalization level of 7.16%, which is below average.

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