The Bank of Tullahoma

The Bank of Tullahoma is headquartered in Tullahoma and is the 124^th largest bank in the state of Tennessee. It is also the 3,920^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 36 employees at 2 locations. The Bank of Tullahoma has a 5-star health rating.

The Bank of Tullahoma Routing Number: 064108993

Data for Q1 2012

Institution Statistics Southern Community Bank FDIC Certificate # 58105 BankRate Report View Year Established 2005 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $147.43 million Loans $88.96 million Deposits $123.30 million Equity Capital $16.73 million Loan Loss Allowance $841,000 Real Estate Owned $36,000 Historic Data - March 2011 Assets $109.83 million Equity Capital $15.44 million Loan Loss Allowance $710,000 Unbacked Noncurrent Loans $703,000 Real Estate Owned $77,000 Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 0.66% Return on Equity 5.21% Interest Income $1.33 million

Institution Health Overall Score: 5 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 The Bank of Tullahoma had $36,000 in non-current loans and owned real-estate with $17.57 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Tullahoma a Texas Ratio of 0.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank of Tullahoma decreased significantly from 4.83% as of March 31, 2011 to 0.20% as of March 31, 2012, resulting in a positive change of 95.76%.This indicates that the balance sheet and financial strength for The Bank of Tullahoma has improved significantly in recent periods. Deposit Growth In the past year, The Bank of Tullahoma has increased its total deposits by $35.67 million, resulting in 40.71% 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 The Bank of Tullahoma 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. The Bank of Tullahoma has $147.43 million in assets with $17.57 million in equity, resulting in a capitalization level of 11.92%, which is above average.

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