Traders National Bank

Traders National Bank is headquartered in Tullahoma and is the 114^st largest bank in the state of Tennessee. It is also the 3,720^th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 50 employees at 5 locations. Traders National Bank has a 3-star health rating.

Traders National Bank Routing Number: 064101301

Data for Q1 2012

Institution Statistics Traders National Bank FDIC Certificate # 4970 BankRate Report View Year Established 1889 Employees 50 Primary Regulator OCC Assets and Liabilities Assets $158.60 million Loans $103.53 million Deposits $143.34 million Equity Capital $14.66 million Loan Loss Allowance $2.17 million Unbacked Noncurrent Loans $3.70 million Real Estate Owned $2.00 million Historic Data - March 2011 Assets $156.06 million Equity Capital $12.55 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $2.02 million Real Estate Owned $2.64 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 1.29% Return on Equity 14.16% Interest Income $1.81 million

Institution Health Overall Score: 3 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 Traders National Bank had $5.7 million in non-current loans and owned real-estate with $16.84 million in equity and loan loss allowances on hand to cover it. This gives Traders National Bank a Texas Ratio of 33.82% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Traders National Bank held steady from 32.30% as of March 31, 2011 to 33.82% as of March 31, 2012, resulting in a negative change of 4.70%. This indicates that the balance sheet and financial strength for Traders National Bank has held steady in recent periods. Deposit Growth In the past year, Traders National Bank has increased its total deposits by $416,000, resulting in 0.29% 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 Traders National Bank has shown is 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. Traders National Bank has $158.6 million in assets with $16.84 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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