The First National Bank of McMinnville

The First National Bank of McMinnville is headquartered in Mcminnville and is the 32^nd largest bank in the state of Tennessee. It is also the 1,336^th largest bank in the nation. It was established in 1874 and as of December of 2012, it had grown to 96 employees at 6 locations. The First National Bank of McMinnville has a 4-star health rating.

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Data for Q4 2012

Institution Statistics The First National Bank of McMinnville FDIC Certificate # 4952 BankRate Report View Year Established 1874 Employees 96 Primary Regulator OCC Assets and Liabilities Assets $502.76 million Loans $273.11 million Deposits $415.85 million Equity Capital $60.02 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $12.79 million Real Estate Owned $3.27 million Historic Data - December 2011 Assets $455.71 million Equity Capital $59.44 million Loan Loss Allowance $4.14 million Unbacked Noncurrent Loans $8.25 million Real Estate Owned $4.46 million Profit Margin - Quarterly Net Interest Margin 2.52% Return on Assets 0.85% Return on Equity 6.78% Interest Income $17.60 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 The First National Bank of McMinnville had $16.06 million in non-current loans and owned real-estate with $64 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of McMinnville a Texas Ratio of 25.09% 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 The First National Bank of McMinnville increased slightly from 19.99% as of December 31, 2011 to 25.09% as of December 31, 2012, resulting in a negative change of 25.47%. This indicates that the balance sheet and financial strength for The First National Bank of McMinnville has declined slightly in recent periods. Deposit Growth In the past year, The First National Bank of McMinnville has increased its total deposits by $43.96 million, resulting in 11.82% 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 First National Bank of McMinnville 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 First National Bank of McMinnville has $502.76 million in assets with $64 million in equity, resulting in a capitalization level of 12.73%, which is excellent.

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