DeKalb County Bank & Trust Company in Alexandria, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 1995

DeKalb County Bank & Trust Company in Alexandria, Tennessee (TN)
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DeKalb County Bank & Trust Company - Overview

General
FDIC Certificate #: 1478
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank of the Cumberlands (#1704)
Federal Reserve ID: 181132
Date Established: January 01, 1929
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Interstate: No)
OTS Docket #: 11674
FDIC's unique #: 974
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: January 01, 1934
Last Structure Change Effective Date: June 01, 1995
Last Structure Change Process Date: June 28, 1995
Last Data Update: June 28, 1995
Data Source Date: April 05, 2012
Location
Address: Public Square, Alexandria, TN 37012
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: $73.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$39Total assets
$73,740Cash and due from depository institutions
$3,392Interest-bearing balances
$0Securities
$25,292Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$41,771Loan loss allowance
$487Trading account assets
$0Bank premises and fixed assets
$1,062Other real estate owned
$107Goodwill and other intangibles
$1,243Life insurance assets
$873All other assets
$0Total liabilities and capital
$73,740Total liabilities
$68,148Total deposits
$64,857Interest-bearing deposits
$56,613Deposits held in domestic offices
64857.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$2,000Subordinated debt
$0All other liabilities
$291Total equity capital
$291Total bank equity capital
$5,592Perpetual preferred stock
$0Common stock
$475Surplus
$2,598Undivided profits
Memoranda
$2,519Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$401Income earned, not collected on loans
$438Earning assets
$67,063Long-term assets (5+ years)
$6,839Average Assets, year-to-date
$75,666Average Assets, quarterly
$74,195Volatile liabilities
$7,906Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,624Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,027Total risk weighted assets
$38,963Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$5,261Total interest expense
$2,072Net interest income
$3,189Provision for loan and lease losses
$250Total noninterest income
$689Fiduciary activities
$0Service charges on deposit accounts
$522Trading account gains & fees
$0Additional noninterest income
$167Total noninterest expense
$2,298Salaries and employee benefits
$1,178Premises and equipment expense
$333Additional noninterest expense
$787Pre-tax net operating income
$1,330Securities gains (losses)
-$36Applicable income taxes
$432Income before extraordinary items
$862Extraordinary gains - net
$0Net income attributable to bank
$862Net charge-offs
$305Cash dividends
$748Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.55%Cost of funding earning assets
2.97%Net interest margin
4.58%Noninterest income to earning assets
0.99%Noninterest expense to earning assets
3.30%Net operating income to assets
1.17%Return on assets (ROA)
1.14%Pretax return on assets
1.71%Return on equity (ROE)
14.89%Retained earnings to average equity (YTD only)
1.97%Net charge-offs to loans
0.72%Credit loss provision to net charge-offs
81.97%Efficiency ratio
57,452Assets per employee
1.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
86.77%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
121.45%Noncurrent assets plus other real estate owned to assets
0.69%Noncurrent loans to loans
0.95%Net loans and leases to deposits
64.40%Net loans and leases to core deposits
69.68%Equity capital to assets
7.58%Core capital (leverage) ratio
6.86%Tier 1 risk-based capital ratio
12.90%Total risk-based capital ratio
Memoranda
$14Average assets
$75,666Average earning assets
$5,791Average equity
$69,679Average loans

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