Volunteer Federal Savings and Loan Association of Madisonville

Volunteer Federal Savings and Loan Association of Madisonville is headquartered in Madisonville and is the 100^th largest bank in the state of Tennessee. It is also the 3,405^th largest bank in the nation. It was established in 1973 and as of March of 2012, it had grown to 62 employees at 6 locations. Volunteer Federal Savings and Loan Association of Madisonville has a 5-star health rating.

Data for Q1 2012

Institution Statistics Volunteer Federal Savings and Loan Association of Madisonville OTS # 07350 FDIC Certificate # 31694 BankRate Report View Year Established 1973 Employees 62 Primary Regulator OCC Assets and Liabilities Assets $179.26 million Loans $136.66 million Deposits $129.72 million Equity Capital $21.53 million Loan Loss Allowance $745,000 Unbacked Noncurrent Loans $685,000 Real Estate Owned $2.23 million Historic Data - March 2011 Assets $176.63 million Equity Capital $20.29 million Loan Loss Allowance $582,000 Unbacked Noncurrent Loans $1.53 million Real Estate Owned $1.24 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.68% Return on Equity 5.61% Interest Income $2.12 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 Volunteer Federal Savings and Loan Association of Madisonville had $2.92 million in non-current loans and owned real-estate with $22.27 million in equity and loan loss allowances on hand to cover it. This gives Volunteer Federal Savings and Loan Association of Madisonville a Texas Ratio of 13.10% 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 Volunteer Federal Savings and Loan Association of Madisonville held steady from 13.27% as of March 31, 2011 to 13.10% as of March 31, 2012, resulting in a positive change of 1.26%.This indicates that the balance sheet and financial strength for Volunteer Federal Savings and Loan Association of Madisonville has held steady in recent periods. Deposit Growth In the past year, Volunteer Federal Savings and Loan Association of Madisonville has increased its total deposits by $6.22 million, resulting in 5.04% 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 Volunteer Federal Savings and Loan Association of Madisonville 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. Volunteer Federal Savings and Loan Association of Madisonville has $179.26 million in assets with $22.27 million in equity, resulting in a capitalization level of 12.42%, which is excellent.

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