Southern Bank Of Tennessee Financial Statements & Health Reports

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Efficiency Ratio

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Balance Sheet Highlights

Financial Highlights	Southern Bank Of Tennessee	All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets	238,655	350,717
Total Net Loans	179,943	240,957
Total Deposits	208,348	296,573
Total Equity	26,318	37,152
Profitability
Net Income	2,216	3,593
Return on Average Assets	.97	.956
Return on Average Equity	8.771	8.82
Net Interest Margin	3.565	4.036
Efficiency Ratio	75.184	69.386
Noninterest Income/Revenue	15.053	17.129
Balance Sheet Ratios
Loan-to-Deposit	86.367	77.925
Securities/Assets	.106	.166
Total Equity/Total Assets	.11	.106
Tangible Equity/Tangible Assets	.1	.103
Capital Adequacy
Tier 1 Common Capital	24,239	35,983
Tier 1 Capital	24,239	36,157
Tier 2 Capital	1,488	2,649
Total Capital	25,727	38,803
Total Risk Weighted Assets	184,467	253,332
Leverage Ratio	10.2	10.564
Common Equity Tier 1 Capital Ratio	13.14	15.215
Tier 1 Capital Ratio	13.14	15.278
Total Capital Ratio	13.95	16.362

Southern Bank Of Tennessee was established 25 years ago and is currently headquartered in Mount Juliet, TN.

Mar 22 1999

Relationships	Role	Relationship Start	Relationship End

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