Tri-State Bank of Memphis

Tri-State Bank of Memphis is headquartered in Memphis and is the 140^th largest bank in the state of Tennessee. It is also the 4,245^th largest bank in the nation. It was established in 1946 and as of December of 2012, it had grown to 53 employees at 4 locations. Tri-State Bank of Memphis has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Tri-State Bank of Memphis FDIC Certificate # 16511 BankRate Report View Year Established 1946 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $127.71 million Loans $71.38 million Deposits $110.56 million Equity Capital $16.07 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $6.30 million Real Estate Owned $2.31 million Historic Data - December 2011 Assets $124.29 million Equity Capital $15.63 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $10.95 million Real Estate Owned $847,000 Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.42% Return on Equity 3.48% Interest Income $5.21 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 Tri-State Bank of Memphis had $8.6 million in non-current loans and owned real-estate with $18.07 million in equity and loan loss allowances on hand to cover it. This gives Tri-State Bank of Memphis a Texas Ratio of 47.62% 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 Tri-State Bank of Memphis decreased slightly from 65.99% as of December 31, 2011 to 47.62% as of December 31, 2012, resulting in a positive change of 27.84%.This indicates that the balance sheet and financial strength for Tri-State Bank of Memphis has improved slightly in recent periods. Deposit Growth In the past year, Tri-State Bank of Memphis has increased its total deposits by $6.78 million, resulting in 6.54% 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 Tri-State Bank of Memphis 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. Tri-State Bank of Memphis has $127.71 million in assets with $18.07 million in equity, resulting in a capitalization level of 14.15%, which is excellent.

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