SouthEast Bank & Trust

SouthEast Bank & Trust is headquartered in Athens and is the 67^th largest bank in the state of Tennessee. It is also the 2,404^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 76 employees at 8 locations. SouthEast Bank & Trust's savings rates are 92% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics SouthEast Bank & Trust FDIC Certificate # 57348 BankRate Report View Year Established 2002 Employees 76 Primary Regulator FDIC Assets and Liabilities Assets $267.99 million Loans $200.88 million Deposits $234.76 million Equity Capital $26.01 million Loan Loss Allowance $2.81 million Unbacked Noncurrent Loans $2.38 million Real Estate Owned $4.56 million Historic Data - March 2011 Assets $278.79 million Equity Capital $23.54 million Loan Loss Allowance $4.06 million Unbacked Noncurrent Loans $2.40 million Real Estate Owned $4.52 million Profit Margin - Quarterly Net Interest Margin 4.57% Return on Assets 0.82% Return on Equity 8.47% Interest Income $3.31 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 SouthEast Bank & Trust had $6.94 million in non-current loans and owned real-estate with $28.81 million in equity and loan loss allowances on hand to cover it. This gives SouthEast Bank & Trust a Texas Ratio of 24.08% 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 SouthEast Bank & Trust held steady from 25.07% as of March 31, 2011 to 24.08% as of March 31, 2012, resulting in a positive change of 3.94%.This indicates that the balance sheet and financial strength for SouthEast Bank & Trust has held steady in recent periods. Deposit Growth In the past year, SouthEast Bank & Trust has decreased its total deposits by -$13.08 million, resulting in -5.28% 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 SouthEast Bank & Trust has shown is poor. 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. SouthEast Bank & Trust has $267.99 million in assets with $28.81 million in equity, resulting in a capitalization level of 10.75%, which is above average.

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