Gates Banking and Trust Company, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Gates Banking and Trust Company is a commercial bank, state charter and Fed member, supervised by the Federal. The bank was established in 1904.

Gates Banking & Trust Company, a subsidiary of multibank holding company Security Bancorp of Tennessee, is a full-service financial services institution. The bank s offerings include a number of personal checking and savings account plans, a complete line of business banking services, a variety of secured and unsecured loan products, several private and commercial mortgages, certificates of deposit, online banking and bill paying services, money market accounts, automated teller machines, 24-hour telephone banking services, individual retirement accounts, numerous home equity and construction loans, safe deposit boxes, a wide range of investment services and drive-through banking.

Gates Banking & Trust is located in Gates, Tenn. Security Bancorp also owns and operates the Bank of Halls in Halls, Tenn., the Bank of Crockett in Crockett, Tenn., and Security Bank in Dyersburg, Tenn.