Johnson County Bank

Johnson County Bank is headquartered in Mountain City and is the 144^th largest bank in the state of Tennessee. It is also the 4,418^st largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 24 employees at 1 location. Johnson County Bank has a 4-star health rating.

Johnson County Bank Routing Number: 064202873

Data for Q1 2012

Institution Statistics Johnson County Bank FDIC Certificate # 22070 BankRate Report View Year Established 1975 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $121.93 million Loans $71.21 million Deposits $99.37 million Equity Capital $15.44 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $2.56 million Real Estate Owned $2.33 million Historic Data - March 2011 Assets $119.12 million Equity Capital $14.93 million Loan Loss Allowance $1.19 million Unbacked Noncurrent Loans $3.18 million Real Estate Owned $3.25 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 1.33% Return on Equity 10.5% Interest Income $1.28 million

Institution Health Overall Score: 4 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 Johnson County Bank had $4.89 million in non-current loans and owned real-estate with $16.5 million in equity and loan loss allowances on hand to cover it. This gives Johnson County Bank a Texas Ratio of 29.64% 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 Johnson County Bank decreased slightly from 39.94% as of March 31, 2011 to 29.64% as of March 31, 2012, resulting in a positive change of 25.79%.This indicates that the balance sheet and financial strength for Johnson County Bank has improved slightly in recent periods. Deposit Growth In the past year, Johnson County Bank has increased its total deposits by $4.03 million, resulting in 4.22% 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 Johnson 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. Johnson County Bank has $121.93 million in assets with $16.5 million in equity, resulting in a capitalization level of 13.54%, which is excellent.

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