Community Bank in Pulaski, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 09, 1997

Community Bank in Pulaski, Tennessee (TN)
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Community Bank - Overview

General
FDIC Certificate #: 33853
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Community Bank (#57)
Federal Reserve ID: 2124179
Date Established: November 15, 1993
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 48161
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: November 15, 1993
Last Structure Change Effective Date: August 09, 1997
Last Structure Change Process Date: October 02, 1997
Last Data Update: October 02, 1997
Data Source Date: April 05, 2012
Location
Address: 302 South Second Street, Pulaski, TN 38478
County: Giles
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Atlanta
FDIC Field Office: Nashville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $43.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$23Total assets
$36,429Cash and due from depository institutions
$1,222Interest-bearing balances
$0Securities
$10,958Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$21,404Loan loss allowance
$271Trading account assets
$0Bank premises and fixed assets
$1,989Other real estate owned
$125Goodwill and other intangibles
$711Life insurance assets
$20All other assets
$0Total liabilities and capital
$36,429Total liabilities
$31,147Total deposits
$30,709Interest-bearing deposits
$28,936Deposits held in domestic offices
30709.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$32Subordinated debt
$0All other liabilities
$406Total equity capital
$406Total bank equity capital
$5,282Perpetual preferred stock
$0Common stock
$1,000Surplus
$5,000Undivided profits
Memoranda
$-718Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$142Income earned, not collected on loans
$261Earning assets
$32,362Long-term assets (5+ years)
$5,426Average Assets, year-to-date
$33,558Average Assets, quarterly
$35,778Volatile liabilities
$7,813Insider loans
$270FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$188Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,348Total risk weighted assets
$19,716Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$2,595Total interest expense
$1,449Net interest income
$1,146Provision for loan and lease losses
$356Total noninterest income
$301Fiduciary activities
$0Service charges on deposit accounts
$184Trading account gains & fees
$0Additional noninterest income
$117Total noninterest expense
$1,174Salaries and employee benefits
$664Premises and equipment expense
$221Additional noninterest expense
$289Pre-tax net operating income
-$83Securities gains (losses)
$0Applicable income taxes
-$65Income before extraordinary items
-$18Extraordinary gains - net
$0Net income attributable to bank
-$18Net charge-offs
$327Cash dividends
$0Sale, conversion, retirement of capital stock, net
$1,000Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.78%Cost of funding earning assets
4.90%Net interest margin
3.88%Noninterest income to earning assets
1.02%Noninterest expense to earning assets
3.97%Net operating income to assets
-0.05%Return on assets (ROA)
-0.05%Pretax return on assets
-0.25%Return on equity (ROE)
-0.40%Retained earnings to average equity (YTD only)
-0.40%Net charge-offs to loans
1.73%Credit loss provision to net charge-offs
108.87%Efficiency ratio
80,442Assets per employee
1.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
190.85%Noncurrent assets plus other real estate owned to assets
0.73%Noncurrent loans to loans
0.66%Net loans and leases to deposits
69.70%Net loans and leases to core deposits
93.35%Equity capital to assets
14.50%Core capital (leverage) ratio
14.98%Tier 1 risk-based capital ratio
27.13%Total risk-based capital ratio
Memoranda
$28Average assets
$33,558Average earning assets
$4,488Average equity
$29,556Average loans

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