Tennessee Commerce Bancorp, Inc. is a bank holding company of Tennessee Commerce Bank (the Bank). The Bank is a state-chartered bank. The Bank conducts business from a single location in the Cool Springs commercial area of Franklin. The Bank had total assets at December 31, 2010 of $1.5 billion. The Bank provides electronic banking and cash management tools and onsite training for business customers. It also provides Internet banking services and access to a third party regional automated teller machine (ATM) network. The Bank offers a range of retail and commercial banking services. The Bank issues VISA credit cards and is a merchant depository for cardholder drafts under VISA credit cards. The Bank also offers check cards and debit cards. The Bank offers its local customers courier services, access to third-party ATMs and electronic banking. The Bank has trust powers but does not have a trust department.