FDIC Certificate #: 35521 Status: Active Federal Reserve ID: 2877345 Bank Holding Company (Regulatory Top Holder): Inscorp, Inc. (RSSDID: 2877336, Location: Nashville, TN) Date Established: November 20, 2000 WWW:http://www.insbanktn.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 81174 Numeric code: 13 Regulator: FED 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: November 20, 2000 Last Structure Change Effective Date: March 15, 2007 Last Structure Change Process Date: March 22, 2007 Last Data Update: March 22, 2007 Data Source Date: April 05, 2012
Location
Address: 2505 21st Avenue South, Suite 204, Nashville, TN 37212 County: Davidson 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
Name Change
Financial Summary
Total assets: $158.8 mil Equity capital: $17.9 mil Deposits held in domestic offices: $108.5 mil Return on assets (ROA): 0.85% ($1.4 mil) Quarterly return on assets: 1.09% ($1.7 mil) Return on Equity (ROE): 7.93% ($1.4 mil) Quarterly return on equity: 9.23% ($1.7 mil) Net income: $1.2 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.85% ($1,349.6 mil) Quarterly Pretax return on assets: 1.09% ($1,730.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
22Total employees (full-time equivalent)
$158,781Total assets
$9,951Cash and due from depository institutions
$7,937Interest-bearing balances
$20,696Securities
$0Federal funds sold & reverse repurchase agreements
$118,792Net loans & leases
$2,863Loan loss allowance
$0Trading account assets
$3,715Bank premises and fixed assets
$84Other real estate owned
$309Goodwill and other intangibles
$158,781Life insurance assets
$5,234All other assets
$140,845Total liabilities and capital
$108,460Total liabilities
$93,666Total deposits
$108,460Interest-bearing deposits
$80Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$31,642Trading liabilities
$0Other borrowed funds
$743Subordinated debt
$17,936All other liabilities
$17,936Total equity capital
$17,936Total bank equity capital
$0Perpetual preferred stock
$59Common stock
$18,101Surplus
$-224Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,516Income earned, not collected on loans
$0Earning assets
$503Long-term assets (5+ years)
$147,425Average Assets, year-to-date
$18,732Average Assets, quarterly
$144,451Volatile liabilities
$151,096Insider loans
$131,275FHLB advances
$150,682Loans and leases held for sale
$1,026Unused loan commitments
$1,026Tier 1 (core) risk-based capital
$17,082Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,667Restructured Loans and leases
$3,769Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,224Total interest income
$2,657Total interest expense
$4,567Net interest income
$0Provision for loan and lease losses
$353Total noninterest income
$0Fiduciary activities
$50Service charges on deposit accounts
$0Trading account gains & fees
$303Additional noninterest income
$3,699Total noninterest expense
$2,078Salaries and employee benefits
$360Premises and equipment expense
$1,261Additional noninterest expense
$1,221Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,221Income before extraordinary items
$0Extraordinary gains - net
$1,221Net income attributable to bank
$0Net charge-offs
$1,221Cash dividends
$137Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.33%Yield on earning assets
1.96%Cost of funding earning assets
3.37%Net interest margin
0.26%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.85%Net operating income to assets
0.85%Return on assets (ROA)
0.85%Pretax return on assets
7.93%Return on equity (ROE)
7.93%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
8.91%Efficiency ratio
75,183Assets per employee
7.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.35%Loss allowance to noncurrent loans
188.85%Noncurrent assets plus other real estate owned to assets
1.01%Noncurrent loans to loans
1.25%Net loans and leases to deposits
109.53%Net loans and leases to core deposits
129.29%Equity capital to assets
11.30%Core capital (leverage) ratio
11.34%Tier 1 risk-based capital ratio
13.01%Total risk-based capital ratio
Memoranda
$14Average assets
$144,451Average earning assets
$15,407Average equity
$135,560Average loans
List of branches
1 Tennessee Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
81174
Insbank
2505 21st Avenue South, Suite 204, Nashville, TN 37212
November 20, 2000
Full Service Brick and Mortar
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