Medina Banking Co.

Medina Banking Co. is headquartered in Medina and is the 180^th largest bank in the state of Tennessee. It is also the 6,676^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 15 employees at 2 locations. Medina Banking Co. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Medina Banking Co. FDIC Certificate # 10316 BankRate Report View Year Established 1905 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $40.12 million Loans $11.59 million Deposits $33.10 million Equity Capital $6.89 million Loan Loss Allowance $214,000 Unbacked Noncurrent Loans $114,000 Historic Data - March 2011 Assets $37.68 million Equity Capital $6.25 million Loan Loss Allowance $165,000 Unbacked Noncurrent Loans $804,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.55% Return on Equity 3.18% Interest Income $399,000

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 Medina Banking Co. had $114,000 in non-current loans and owned real-estate with $7.1 million in equity and loan loss allowances on hand to cover it. This gives Medina Banking Co. a Texas Ratio of 1.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Medina Banking Co. decreased significantly from 12.54% as of March 31, 2011 to 1.61% as of March 31, 2012, resulting in a positive change of 87.20%.This indicates that the balance sheet and financial strength for Medina Banking Co. has improved significantly in recent periods. Deposit Growth In the past year, Medina Banking Co. has increased its total deposits by $1.81 million, resulting in 5.79% 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 Medina Banking Co. 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. Medina Banking Co. has $40.12 million in assets with $7.1 million in equity, resulting in a capitalization level of 17.69%, which is excellent.

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