Hardin County Bank

Hardin County Bank is headquartered in Savannah and is the 41^st largest bank in the state of Tennessee. It is also the 1,764^th largest bank in the nation. It was established in 1973 and as of March of 2012, it had grown to 90 employees at 6 locations. Hardin County Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Hardin County Bank FDIC Certificate # 20993 BankRate Report View Year Established 1973 Employees 90 Primary Regulator FDIC Assets and Liabilities Assets $376.94 million Loans $281.35 million Deposits $334.39 million Equity Capital $30.68 million Loan Loss Allowance $2.53 million Unbacked Noncurrent Loans $2.44 million Real Estate Owned $6.91 million Historic Data - March 2011 Assets $369.28 million Equity Capital $28.29 million Loan Loss Allowance $2.13 million Unbacked Noncurrent Loans $2.42 million Real Estate Owned $4.17 million Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.07% Return on Equity 13.23% Interest Income $4.55 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 Hardin County Bank had $9.35 million in non-current loans and owned real-estate with $33.22 million in equity and loan loss allowances on hand to cover it. This gives Hardin County Bank a Texas Ratio of 28.16% 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 Hardin County Bank increased slightly from 21.67% as of March 31, 2011 to 28.16% as of March 31, 2012, resulting in a negative change of 29.92%. This indicates that the balance sheet and financial strength for Hardin County Bank has declined slightly in recent periods. Deposit Growth In the past year, Hardin County Bank has increased its total deposits by $12.53 million, resulting in 3.89% 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 Hardin County Bank 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. Hardin County Bank has $376.94 million in assets with $33.22 million in equity, resulting in a capitalization level of 8.81%, which is average.

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