First Federal Bank in city_name, state_name - Detailed Financial Reports, Location

First Federal Bank in Dickson, Tennessee (TN)
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First Federal Bank - Overview

General
FDIC Certificate #: 29782
Status: Active
Federal Reserve ID: 220974
Date Established: October 16, 1936
WWW: http://www.ffbtn.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 12 (Domestic: 12, Interstate: No)
OTS Docket #: 4081
FDIC's unique #: 42616
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: October 16, 1936
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 611 East College St, Dickson, TN 37055
County: Dickson
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
Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $446.5 mil
Equity capital: $46.6 mil
Deposits held in domestic offices: $373.3 mil
Return on assets (ROA): 1.23% ($5.5 mil)
Quarterly return on assets: 1.18% ($5.3 mil)
Return on Equity (ROE): 13.29% ($6.2 mil)
Quarterly return on equity: 11.66% ($5.5 mil)
Net income: $5.6 mil
Quarterly Net income: $1.3 mil
Pretax return on assets: 1.30% ($5,804.0 mil)
Quarterly Pretax return on assets: 1.18% ($5,268.3 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, 2011)

Dollar figures in thousands
128Total employees (full-time equivalent)
$446,464Total assets
$18,390Cash and due from depository institutions
$14,150Interest-bearing balances
$162,130Securities
$0Federal funds sold & reverse repurchase agreements
$226,727Net loans & leases
$5,538Loan loss allowance
$0Trading account assets
$10,102Bank premises and fixed assets
$8,794Other real estate owned
$3,803Goodwill and other intangibles
$446,464Life insurance assets
$16,518All other assets
$399,872Total liabilities and capital
$373,349Total liabilities
$330,977Total deposits
$373,349Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$24,558Trading liabilities
$0Other borrowed funds
$1,965Subordinated debt
$46,592All other liabilities
$46,592Total equity capital
$46,592Total bank equity capital
$0Perpetual preferred stock
$391Common stock
$15,025Surplus
$31,176Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,207Income earned, not collected on loans
$0Earning assets
$2,619Long-term assets (5+ years)
$403,007Average Assets, year-to-date
$0Average Assets, quarterly
$452,683Volatile liabilities
$452,290Insider loans
$237,153FHLB advances
$439,193Loans and leases held for sale
$8,974Unused loan commitments
$0Tier 1 (core) risk-based capital
$39,546Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,490Restructured Loans and leases
$4,861Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$21,405Total interest income
$4,252Total interest expense
$17,153Net interest income
$3,503Provision for loan and lease losses
$3,610Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3,610Additional noninterest income
$11,714Total noninterest expense
$5,250Salaries and employee benefits
$2,289Premises and equipment expense
$4,175Additional noninterest expense
$5,546Pre-tax net operating income
$359Securities gains (losses)
$327Applicable income taxes
$5,578Income before extraordinary items
$0Extraordinary gains - net
$5,578Net income attributable to bank
$0Net charge-offs
$5,578Cash dividends
$3,129Sale, conversion, retirement of capital stock, net
$3,080Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.25%Yield on earning assets
1.04%Cost of funding earning assets
4.21%Net interest margin
0.89%Noninterest income to earning assets
2.87%Noninterest expense to earning assets
1.16%Net operating income to assets
1.23%Return on assets (ROA)
1.30%Pretax return on assets
13.29%Return on equity (ROE)
5.95%Retained earnings to average equity (YTD only)
1.28%Net charge-offs to loans
111.95%Credit loss provision to net charge-offs
2.89%Efficiency ratio
55,218Assets per employee
3.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.22%Loss allowance to loans
2.38%Loss allowance to noncurrent loans
250.93%Noncurrent assets plus other real estate owned to assets
2.46%Noncurrent loans to loans
0.95%Net loans and leases to deposits
60.73%Net loans and leases to core deposits
65.18%Equity capital to assets
10.44%Core capital (leverage) ratio
9.00%Tier 1 risk-based capital ratio
16.68%Total risk-based capital ratio
Memoranda
$18Average assets
$452,683Average earning assets
$41,956Average equity
$407,537Average loans

List of branches

12 Tennessee Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42616	First Federal Bank	611 East College St, Dickson, TN 37055	October 16, 1936	Full Service Brick and Mortar
1	277159	Centerville Branch	1370 Highway 100, Centerville, TN 37033	October 16, 1936	Full Service Brick and Mortar
100	277160	302 Fairview Blvd Branch	302 Fairview Blvd, Fairview, TN 37062	June 30, 1985	Full Service Brick and Mortar
101	973	Waverly Branch	122 West Main Street, Waverly, TN 37185	January 22, 1919	Full Service Brick and Mortar
102	189554	New Johnsonville Branch	590 Broadway Ave, New Johnsonville, TN 37134	August 19, 1966	Full Service Brick and Mortar
104	427718	Vanleer Branch	4701 Hwy 49 W, Vanleer, TN 37181	July 04, 2002	Full Service Brick and Mortar
105	427719	White Bluff Branch	4363 Hwy 70 E, White Bluff, TN 37187	August 07, 2003	Full Service Brick and Mortar
106	251145	Burns Branch	2310 Highway 96, Burns, TN 37029	March 02, 1982	Full Service Brick and Mortar
107	6098	Highway 46 South Branch	601 Highway 46 South, Dickson, TN 37055	January 01, 1906	Full Service Brick and Mortar
108	220268	Charlotte Branch	Two Court Square, Charlotte, TN 37036	January 11, 1928	Full Service Brick and Mortar
109	464036	9597 Hwy 70 East	9597 Hwy 70 East, Mc Ewen, TN 37101	August 15, 2005	Full Service Brick and Mortar
110	464473	200 Henslee Drive Branch	200 Henslee Drive, Dickson, TN 37055	December 15, 2005	Full Service Brick and Mortar

First Federal Bank in Dickson, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Bank in Dickson, Tennessee (TN)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Bank in Dickson, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches