Heritage Community Bank (TN)

Heritage Community Bank (TN) is headquartered in Greeneville and is the 151^st largest bank in the state of Tennessee. It is also the 4,649^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 32 employees at 3 locations. Heritage Community Bank (TN) has a 2-star health rating.

Data for Q1 2012

Institution Statistics Heritage Community Bank FDIC Certificate # 57656 BankRate Report View Year Established 2003 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $112.64 million Loans $79.50 million Deposits $99.01 million Equity Capital $7.37 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $1.94 million Real Estate Owned $5.22 million Historic Data - March 2011 Assets $119.14 million Equity Capital $10.08 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $5.70 million Real Estate Owned $3.40 million Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 0.41% Return on Equity 6.29% Interest Income $1.24 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 Heritage Community Bank (TN) had $7.15 million in non-current loans and owned real-estate with $8.95 million in equity and loan loss allowances on hand to cover it. This gives Heritage Community Bank (TN) a Texas Ratio of 79.93% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Heritage Community Bank (TN) held steady from 78.17% as of March 31, 2011 to 79.93% as of March 31, 2012, resulting in a negative change of 2.25%. This indicates that the balance sheet and financial strength for Heritage Community Bank (TN) has held steady in recent periods. Deposit Growth In the past year, Heritage Community Bank (TN) has decreased its total deposits by -$2.76 million, resulting in -2.71% 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 Heritage Community Bank (TN) 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. Heritage Community Bank (TN) has $112.64 million in assets with $8.95 million in equity, resulting in a capitalization level of 7.95%, which is below average.

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