First National Bank of Pulaski in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Pulaski in Pulaski, Tennessee (TN), AL
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First National Bank of Pulaski routing number info

First National Bank of Pulaski - Overview

General
FDIC Certificate #: 15572
Status: Active
Federal Reserve ID: 972732
Bank Holding Company (Regulatory Top Holder): First Pulaski National Corporation (RSSDID: 1082393, Location: Pulaski, TN)
Date Established: January 12, 1938
WWW: http://www.fnbforyou.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 12 (Domestic: 12, Interstate: Yes)
OTS Docket #: 10866
FDIC's unique #: 9862
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 12, 1938
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: 206 South First Street, Pulaski, TN 38478
County: Giles
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $634.9 mil
Equity capital: $59.2 mil
Deposits held in domestic offices: $559.7 mil
Return on assets (ROA): 1.00% ($6.3 mil)
Quarterly return on assets: 0.90% ($5.7 mil)
Return on Equity (ROE): 11.07% ($6.5 mil)
Quarterly return on equity: 9.55% ($5.6 mil)
Net income: $6.2 mil
Quarterly Net income: $1.4 mil
Pretax return on assets: 1.45% ($9,206.6 mil)
Quarterly Pretax return on assets: 1.30% ($8,254.2 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
168Total employees (full-time equivalent)
$634,940Total assets
$32,726Cash and due from depository institutions
$22,028Interest-bearing balances
$217,470Securities
$1,640Federal funds sold & reverse repurchase agreements
$335,253Net loans & leases
$7,470Loan loss allowance
$0Trading account assets
$18,723Bank premises and fixed assets
$7,111Other real estate owned
$0Goodwill and other intangibles
$634,940Life insurance assets
$22,017All other assets
$575,754Total liabilities and capital
$559,711Total liabilities
$471,227Total deposits
$559,711Interest-bearing deposits
$83Deposits held in domestic offices
1851.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,327Trading liabilities
$0Other borrowed funds
$6,865Subordinated debt
$59,186All other liabilities
$59,186Total equity capital
$59,186Total bank equity capital
$0Perpetual preferred stock
$1,150Common stock
$2,680Surplus
$55,356Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,169Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$9,615Income earned, not collected on loans
$0Earning assets
$3,351Long-term assets (5+ years)
$576,391Average Assets, year-to-date
$114,174Average Assets, quarterly
$620,373Volatile liabilities
$628,604Insider loans
$416,861FHLB advances
$628,332Loans and leases held for sale
$10,789Unused loan commitments
$4,353Tier 1 (core) risk-based capital
$56,948Tier 2 risk-based capital
$0Total risk weighted assets
$6,436Total unused commitments
$49,502Restructured Loans and leases
$2,381Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$28,714Total interest income
$5,268Total interest expense
$23,446Net interest income
$1,455Provision for loan and lease losses
$4,912Total noninterest income
$0Fiduciary activities
$2,151Service charges on deposit accounts
$0Trading account gains & fees
$2,761Additional noninterest income
$18,025Total noninterest expense
$10,112Salaries and employee benefits
$2,584Premises and equipment expense
$5,329Additional noninterest expense
$8,878Pre-tax net operating income
$133Securities gains (losses)
$2,804Applicable income taxes
$6,207Income before extraordinary items
$0Extraordinary gains - net
$6,207Net income attributable to bank
$0Net charge-offs
$6,207Cash dividends
$1,982Sale, conversion, retirement of capital stock, net
$1,822Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
0.94%Cost of funding earning assets
4.20%Net interest margin
0.88%Noninterest income to earning assets
3.23%Noninterest expense to earning assets
0.99%Net operating income to assets
1.00%Return on assets (ROA)
1.45%Pretax return on assets
11.07%Return on equity (ROE)
7.82%Retained earnings to average equity (YTD only)
0.58%Net charge-offs to loans
73.41%Credit loss provision to net charge-offs
5.21%Efficiency ratio
63,562Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.35%Loss allowance to loans
2.18%Loss allowance to noncurrent loans
77.69%Noncurrent assets plus other real estate owned to assets
2.63%Noncurrent loans to loans
2.81%Net loans and leases to deposits
59.90%Net loans and leases to core deposits
62.60%Equity capital to assets
9.32%Core capital (leverage) ratio
9.06%Tier 1 risk-based capital ratio
13.66%Total risk-based capital ratio
Memoranda
$15Average assets
$620,373Average earning assets
$56,056Average equity
$558,852Average loans

List of branches

2 Alabama Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
11	479820	Huntsville Branch	2101 Clinton Ave., Suite 101, Huntsville, AL 35805	January 15, 2008	Full Service Brick and Mortar
12	479821	Athens Branch	1880 Hwy 72 East, Athens, AL 35613	April 21, 2008	Full Service Brick and Mortar

10 Tennessee Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9862	First National Bank Of Pulaski	206 South First Street, Pulaski, TN 38478	January 12, 1938	Full Service Brick and Mortar
1	234564	Ardmore Branch	26591 Main Street, Ardmore, TN 38449	September 09, 1963	Full Service Brick and Mortar
2	234565	Industrial Park Branch	Bennett Drive, Pulaski, TN 38478	December 01, 1961	Full Service Brick and Mortar
4	234567	Pulaski Branch	820 Mill Street, Pulaski, TN 38478	March 02, 1972	Full Service Brick and Mortar
5	234568	Lincoln County Branch	405 West College Street, Fayetteville, TN 37334	September 16, 1991	Full Service Brick and Mortar
6	234569	Park City Branch	2850 Huntsville Highway, Fayetteville, TN 37334	May 10, 1993	Full Service Brick and Mortar
7	234570	Mortgage Office Branch	218 West Flower Street, Pulaski, TN 38478	June 15, 1998	Limited Service Loan Production
8	963	Bank Of Belfast Branch	1600 Fishing Ford Road, Belfast, TN 37019	Febuary 23, 1910	Full Service Brick and Mortar
9	189536	Lewisburg Branch	1190 North Ellington Parkway, Lewisburg, TN 37091	June 25, 1991	Full Service Brick and Mortar
10	453927	Lynnville Branch	159 Mill Street, Lynnville, TN 38472	October 11, 2005	Full Service Brick and Mortar

First National Bank of Pulaski in Pulaski, Tennessee (TN), AL
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Pulaski - 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 National Bank of Pulaski in Pulaski, Tennessee (TN), ALOverview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Pulaski - 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 National Bank of Pulaski in Pulaski, Tennessee (TN), AL
Overview, Financial Summary, Detailed Financial Reports, Branches