National Bank of Tennessee

National Bank of Tennessee is headquartered in Newport and is the 103^rd largest bank in the state of Tennessee. It is also the 3,500^th largest bank in the nation. It was established in 1958 and as of March of 2012, it had grown to 67 employees at 3 locations. National Bank of Tennessee has a 3-star health rating.

National Bank of Tennessee Routing Number: 064208327

Data for Q1 2012

Institution Statistics National Bank of Tennessee FDIC Certificate # 17847 BankRate Report View Year Established 1958 Employees 67 Primary Regulator OCC Assets and Liabilities Assets $172.47 million Loans $94.55 million Deposits $155.35 million Equity Capital $15.88 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $7.91 million Real Estate Owned $5.96 million Historic Data - March 2011 Assets $170.80 million Equity Capital $15.66 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $7.22 million Real Estate Owned $6.27 million Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets -0.68% Return on Equity -7.24% Interest Income $1.60 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 National Bank of Tennessee had $13.88 million in non-current loans and owned real-estate with $18.31 million in equity and loan loss allowances on hand to cover it. This gives National Bank of Tennessee a Texas Ratio of 75.78% 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 National Bank of Tennessee held steady from 75.26% as of March 31, 2011 to 75.78% as of March 31, 2012, resulting in a negative change of 0.69%. This indicates that the balance sheet and financial strength for National Bank of Tennessee has held steady in recent periods. Deposit Growth In the past year, National Bank of Tennessee has increased its total deposits by $1.54 million, resulting in 1% 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 National Bank of Tennessee has shown is 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. National Bank of Tennessee has $172.47 million in assets with $18.31 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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