The Somerville Bank & Trust Company

The Somerville Bank & Trust Company is headquartered in Somerville and is the 94^th largest bank in the state of Tennessee. It is also the 3,130^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 44 employees at 5 locations. The Somerville Bank & Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Somerville Bank & Trust Company FDIC Certificate # 9174 BankRate Report View Year Established 1910 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $199.12 million Loans $90.55 million Deposits $175.50 million Equity Capital $21.92 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $1.03 million Real Estate Owned $1.98 million Historic Data - March 2011 Assets $191.45 million Equity Capital $21.07 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $956,000 Real Estate Owned $3.10 million Profit Margin - Quarterly Net Interest Margin 2.67% Return on Assets 0.66% Return on Equity 6.03% Interest Income $1.55 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 March 31, 2012 The Somerville Bank & Trust Company had $3.01 million in non-current loans and owned real-estate with $23.24 million in equity and loan loss allowances on hand to cover it. This gives The Somerville Bank & Trust Company a Texas Ratio of 12.96% 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 Somerville Bank & Trust Company decreased slightly from 17.99% as of March 31, 2011 to 12.96% as of March 31, 2012, resulting in a positive change of 27.94%.This indicates that the balance sheet and financial strength for The Somerville Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, The Somerville Bank & Trust Company has increased its total deposits by $5.64 million, resulting in 3.32% 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 Somerville Bank & Trust Company has shown is above 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 Somerville Bank & Trust Company has $199.12 million in assets with $23.24 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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