Reelfoot Bank

Reelfoot Bank is headquartered in Union City and is the 117^st largest bank in the state of Tennessee. It is also the 3,797^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 56 employees at 5 locations. Reelfoot Bank's savings rates are 2X the national average, and it has a 4-star health rating.

Reelfoot Bank Routing Number: 084304010

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Data for Q1 2012

Institution Statistics Reelfoot Bank FDIC Certificate # 9199 BankRate Report View Year Established 1904 Employees 56 Primary Regulator FED Assets and Liabilities Assets $154.42 million Loans $75.39 million Deposits $138.45 million Equity Capital $14.02 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $665,000 Real Estate Owned $571,000 Historic Data - March 2011 Assets $147.85 million Equity Capital $12.94 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $656,000 Real Estate Owned $624,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.6% Return on Equity 6.49% Interest Income $1.55 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 Reelfoot Bank had $1.24 million in non-current loans and owned real-estate with $15.44 million in equity and loan loss allowances on hand to cover it. This gives Reelfoot Bank a Texas Ratio of 8.01% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Reelfoot Bank held steady from 8.98% as of March 31, 2011 to 8.01% as of March 31, 2012, resulting in a positive change of 10.86%.This indicates that the balance sheet and financial strength for Reelfoot Bank has held steady in recent periods. Deposit Growth In the past year, Reelfoot Bank has increased its total deposits by $5.67 million, resulting in 4.27% 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 Reelfoot 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. Reelfoot Bank has $154.42 million in assets with $15.44 million in equity, resulting in a capitalization level of 10.00%, which is average.

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