Sumner Bank & Trust

Sumner Bank & Trust is headquartered in Gallatin and is the 100^th largest bank in the state of Tennessee. It is also the 3,310^st largest bank in the nation. It was established in 2005 and as of December of 2012, it had grown to 64 employees at 6 locations. Sumner Bank & Trust's savings rates are 2X the national average, and it has a 4-star health rating.

Sumner Bank & Trust Routing Number: 064108951

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Data for Q4 2012

Institution Statistics Sumner Bank & Trust FDIC Certificate # 57954 BankRate Report View Year Established 2005 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $183.96 million Loans $119.98 million Deposits $157.59 million Equity Capital $17.12 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $664,000 Real Estate Owned $3.65 million Historic Data - December 2011 Assets $156.20 million Equity Capital $15.69 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $118,000 Real Estate Owned $3.11 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.67% Return on Equity 6.78% Interest Income $6.65 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 December 31, 2012 Sumner Bank & Trust had $4.32 million in non-current loans and owned real-estate with $18.77 million in equity and loan loss allowances on hand to cover it. This gives Sumner Bank & Trust a Texas Ratio of 23.00% 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 Sumner Bank & Trust held steady from 19.01% as of December 31, 2011 to 23.00% as of December 31, 2012, resulting in a negative change of 21.01%. This indicates that the balance sheet and financial strength for Sumner Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Sumner Bank & Trust has increased its total deposits by $31.05 million, resulting in 24.54% 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 Sumner Bank & Trust 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. Sumner Bank & Trust has $183.96 million in assets with $18.77 million in equity, resulting in a capitalization level of 10.21%, which is above average.

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