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

This bank is inactive as of April 01, 2005

DeKalb Community Bank in Smithville, Tennessee (TN)
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DeKalb Community Bank - Overview

General
FDIC Certificate #: 34163
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Wilson Bank and Trust (#26962)
Federal Reserve ID: 2385149
Date Established: April 18, 1996
WWW: http://www.dekalbcommunitybank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 56311
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: April 18, 1996
Last Structure Change Effective Date: April 01, 2005
Last Structure Change Process Date: April 13, 2005
Last Data Update: April 13, 2005
Data Source Date: April 05, 2012
Location
Address: 568 West Broad Street, Smithville, TN 37166
County: Dekalb
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
Financial Summary
Total assets: $112.3 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, 2004)

Dollar figures in thousands
31Total employees (full-time equivalent)
$109,754Total assets
$2,095Cash and due from depository institutions
$0Interest-bearing balances
$15,406Securities
$6,409Federal funds sold & reverse repurchase agreements
$81,603Net loans & leases
$1,540Loan loss allowance
$0Trading account assets
$2,215Bank premises and fixed assets
$517Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,509All other assets
$109,754Total liabilities and capital
$102,046Total liabilities
$99,765Total deposits
$91,471Interest-bearing deposits
$99,765Deposits held in domestic offices
0.00%% insured (estimated)
$1,882Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$399All other liabilities
$7,708Total equity capital
$7,708Total bank equity capital
$7,708Perpetual preferred stock
$0Common stock
$3,766Surplus
$371Undivided profits
Memoranda
$3,571Noncurrent loans and leases
$6,979Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,227Earning assets
$0Long-term assets (5+ years)
$796Average Assets, year-to-date
$103,418Average Assets, quarterly
$48,723Volatile liabilities
$107,166Insider loans
$109,055FHLB advances
$24,991Loans and leases held for sale
$764Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,979Total unused commitments
$0Restructured Loans and leases
$830Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$6,613Total interest income
$2,340Total interest expense
$4,273Net interest income
$1,683Provision for loan and lease losses
$870Total noninterest income
$0Fiduciary activities
$692Service charges on deposit accounts
$0Trading account gains & fees
$178Additional noninterest income
$2,854Total noninterest expense
$1,186Salaries and employee benefits
$370Premises and equipment expense
$1,298Additional noninterest expense
$606Pre-tax net operating income
$0Securities gains (losses)
$205Applicable income taxes
$401Income before extraordinary items
$0Extraordinary gains - net
$401Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,293Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.55%Yield on earning assets
2.32%Cost of funding earning assets
4.23%Net interest margin
0.86%Noninterest income to earning assets
2.83%Noninterest expense to earning assets
0.37%Net operating income to assets
0.37%Return on assets (ROA)
0.57%Pretax return on assets
5.44%Return on equity (ROE)
5.44%Retained earnings to average equity (YTD only)
1.55%Net charge-offs to loans
130.16%Credit loss provision to net charge-offs
1.77%Efficiency ratio
55,493Assets per employee
3.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.85%Loss allowance to noncurrent loans
125.51%Noncurrent assets plus other real estate owned to assets
1.59%Noncurrent loans to loans
1.48%Net loans and leases to deposits
81.80%Net loans and leases to core deposits
106.45%Equity capital to assets
7.02%Core capital (leverage) ratio
7.15%Tier 1 risk-based capital ratio
11.87%Total risk-based capital ratio
Memoranda
$13Average assets
$107,166Average earning assets
$7,377Average equity
$101,007Average loans

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