Mountain National Bank

Mountain National Bank is headquartered in Sevierville and is the 31^st largest bank in the state of Tennessee. It is also the 1,317^st largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 134 employees at 12 locations. Mountain National Bank's money market rates are 14% higher than the national average, but it has a 2-star health rating.

Mountain National Bank Routing Number: 064208437

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Data for Q1 2012

Institution Statistics Mountain National Bank FDIC Certificate # 34789 BankRate Report View Year Established 1998 Employees 134 Primary Regulator OCC Assets and Liabilities Assets $514.44 million Loans $297.32 million Deposits $444.00 million Equity Capital $10.34 million Loan Loss Allowance $16.15 million Unbacked Noncurrent Loans $35.67 million Real Estate Owned $10.82 million Historic Data - March 2011 Assets $534.57 million Equity Capital $45.76 million Loan Loss Allowance $10.04 million Unbacked Noncurrent Loans $54.49 million Real Estate Owned $12.69 million Profit Margin - Quarterly Net Interest Margin 2.82% Return on Assets 1.33% Return on Equity 69.27% Interest Income $4.72 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 Mountain National Bank had $46.49 million in non-current loans and owned real-estate with $26.49 million in equity and loan loss allowances on hand to cover it. This gives Mountain National Bank a Texas Ratio of 175.51% 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 Mountain National Bank increased slightly from 120.40% as of March 31, 2011 to 175.51% as of March 31, 2012, resulting in a negative change of 45.77%. This indicates that the balance sheet and financial strength for Mountain National Bank has declined slightly in recent periods. Deposit Growth In the past year, Mountain National Bank has increased its total deposits by $14.6 million, resulting in 3.4% 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 Mountain National 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. Mountain National Bank has $514.44 million in assets with $26.49 million in equity, resulting in a capitalization level of 5.15%, which is below average.

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