The Community Bank of East Tennessee

The Community Bank of East Tennessee is headquartered in Clinton and is the 174^th largest bank in the state of Tennessee. It is also the 6,108^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 13 employees at 3 locations. The Community Bank of East Tennessee has a 4-star health rating.

The Community Bank of East Tennessee Checking Account Rates

The Community Bank of East Tennessee Savings Account Rates

The Community Bank of East Tennessee Money Market Rates

The Community Bank of East Tennessee CD Rates

Data for Q1 2012

Institution Statistics The Community Bank of East Tennessee FDIC Certificate # 34847 BankRate Report View Year Established 1999 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $58.62 million Loans $31.59 million Deposits $49.13 million Equity Capital $6.41 million Loan Loss Allowance $757,000 Unbacked Noncurrent Loans $557,000 Real Estate Owned $104,000 Historic Data - March 2011 Assets $58.78 million Equity Capital $5.80 million Loan Loss Allowance $965,000 Unbacked Noncurrent Loans $1.47 million Real Estate Owned $135,000 Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.53% Return on Equity 4.83% Interest Income $555,000

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 The Community Bank of East Tennessee had $661,000 in non-current loans and owned real-estate with $7.16 million in equity and loan loss allowances on hand to cover it. This gives The Community Bank of East Tennessee a Texas Ratio of 9.23% 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 The Community Bank of East Tennessee decreased significantly from 23.64% as of March 31, 2011 to 9.23% as of March 31, 2012, resulting in a positive change of 60.96%.This indicates that the balance sheet and financial strength for The Community Bank of East Tennessee has improved significantly in recent periods. Deposit Growth In the past year, The Community Bank of East Tennessee has decreased its total deposits by $-721,000, resulting in -1.45% 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 Community Bank of East Tennessee has shown is below 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. The Community Bank of East Tennessee has $58.62 million in assets with $7.16 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

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