Coffee County Bank in Manchester, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Coffee County Bank in Manchester, Tennessee (TN)
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Coffee County Bank routing number info

Coffee County Bank - Overview

  • General
  • FDIC Certificate #: 22090
    Status: Active
    Federal Reserve ID: 211338
    Bank Holding Company (Regulatory Top Holder): Coffee County Bancshares, Inc. (RSSDID: 1083091, Location: Manchester, TN)
    Date Established: August 15, 1975
    WWW: http://www.coffeecountybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15760
    FDIC's unique #: 15340
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 15, 1975
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2070 Hillsboro Boulevard, Manchester, TN 37355
    County: Coffee
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Tullahoma, TN (#46100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $121.5 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $104.4 mil
    Return on assets (ROA): 0.88% ($1.1 mil)
    Quarterly return on assets: 1.02% ($1.2 mil)
    Return on Equity (ROE): 8.82% ($1.1 mil)
    Quarterly return on equity: 9.78% ($1.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.94% ($1,141.8 mil)
    Quarterly Pretax return on assets: 1.10% ($1,336.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 38Total employees (full-time equivalent)
  • $121,463Total assets
  • $7,305Cash and due from depository institutions
  • $6,002Interest-bearing balances
  • $11,031Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $94,741Net loans & leases
  • $2,031Loan loss allowance
  • $0Trading account assets
  • $1,665Bank premises and fixed assets
  • $4,611Other real estate owned
  • $0Goodwill and other intangibles
  • $121,463Life insurance assets
  • $2,110All other assets
  • $108,532Total liabilities and capital
  • $104,434Total liabilities
  • $91,340Total deposits
  • $104,434Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,316Trading liabilities
  • $0Other borrowed funds
  • $782Subordinated debt
  • $12,931All other liabilities
  • $12,931Total equity capital
  • $12,931Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $321Surplus
  • $12,170Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,847Income earned, not collected on loans
  • $33Earning assets
  • $608Long-term assets (5+ years)
  • $111,774Average Assets, year-to-date
  • $18,884Average Assets, quarterly
  • $124,369Volatile liabilities
  • $122,573Insider loans
  • $88,720FHLB advances
  • $122,511Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,940Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,370Restructured Loans and leases
  • $1,979Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,201Total interest income
  • $1,802Total interest expense
  • $5,399Net interest income
  • $1,675Provision for loan and lease losses
  • $932Total noninterest income
  • $0Fiduciary activities
  • $483Service charges on deposit accounts
  • $0Trading account gains & fees
  • $449Additional noninterest income
  • $3,493Total noninterest expense
  • $1,652Salaries and employee benefits
  • $340Premises and equipment expense
  • $1,501Additional noninterest expense
  • $1,163Pre-tax net operating income
  • $11Securities gains (losses)
  • $79Applicable income taxes
  • $1,095Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,095Net income attributable to bank
  • $0Net charge-offs
  • $1,095Cash dividends
  • $1,677Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.26%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 4.69%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 8.82%Return on equity (ROE)
  • 8.82%Retained earnings to average equity (YTD only)
  • 1.72%Net charge-offs to loans
  • 99.88%Credit loss provision to net charge-offs
  • 1.69%Efficiency ratio
  • 55,173Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.10%Loss allowance to noncurrent loans
  • 29.66%Noncurrent assets plus other real estate owned to assets
  • 9.43%Noncurrent loans to loans
  • 7.08%Net loans and leases to deposits
  • 90.72%Net loans and leases to core deposits
  • 101.65%Equity capital to assets
  • 10.65%Core capital (leverage) ratio
  • 10.56%Tier 1 risk-based capital ratio
  • 14.59%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $124,369Average earning assets
  • $12,421Average equity
  • $115,031Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $25Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $25Other retirement accounts
  • $25Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Tennessee Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    015340Coffee County Bank2070 Hillsboro Boulevard, Manchester, TN 37355August 15, 1975Full Service Brick and Mortar
    1432651Hillsboro Boulevard Branch301 Hillsboro Boulevard, Manchester, TN 37349August 15, 1975Full Service Brick and Mortar

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