Traditions First Bank

Traditions First Bank is headquartered in Erin and is the 150^th largest bank in the state of Tennessee. It is also the 4,638^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 25 employees at 3 locations. Traditions First Bank has a 5-star health rating.

Traditions First Bank Routing Number: 064108650

Data for Q1 2012

Institution Statistics Traditions First Bank FDIC Certificate # 57092 BankRate Report View Year Established 2000 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $112.94 million Loans $70.58 million Deposits $96.57 million Equity Capital $11.03 million Loan Loss Allowance $916,000 Unbacked Noncurrent Loans $161,000 Real Estate Owned $61,000 Historic Data - March 2011 Assets $101.89 million Equity Capital $9.68 million Loan Loss Allowance $876,000 Unbacked Noncurrent Loans $55,000 Real Estate Owned $167,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.97% Return on Equity 10.05% Interest Income $1.27 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 Traditions First Bank had $222,000 in non-current loans and owned real-estate with $11.95 million in equity and loan loss allowances on hand to cover it. This gives Traditions First Bank a Texas Ratio of 1.86% 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 Traditions First Bank held steady from 2.10% as of March 31, 2011 to 1.86% as of March 31, 2012, resulting in a positive change of 11.67%.This indicates that the balance sheet and financial strength for Traditions First Bank has held steady in recent periods. Deposit Growth In the past year, Traditions First Bank has increased its total deposits by $9.24 million, resulting in 10.58% 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 Traditions First Bank 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. Traditions First Bank has $112.94 million in assets with $11.95 million in equity, resulting in a capitalization level of 10.58%, which is above average.

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