FDIC Certificate #: 9493 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First American National Bank (#4956) Federal Reserve ID: 497730 Date Established: January 01, 1906 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 7 (Interstate: No) OTS Docket #: 10581 FDIC's unique #: 6098 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 30, 1999 Last Structure Change Process Date: July 08, 1999 Last Data Update: July 08, 1999 Data Source Date: April 05, 2012
Location
Address: 601 Highway 46 South, 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)
Financial Summary
Total assets: $143.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
60Total employees (full-time equivalent)
$145,666Total assets
$4,552Cash and due from depository institutions
$0Interest-bearing balances
$52,619Securities
$1,300Federal funds sold & reverse repurchase agreements
$80,740Net loans & leases
$1,327Loan loss allowance
$0Trading account assets
$4,210Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,245All other assets
$145,666Total liabilities and capital
$128,737Total liabilities
$127,381Total deposits
$108,659Interest-bearing deposits
$127,381Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,356All other liabilities
$16,929Total equity capital
$16,929Total bank equity capital
$16,929Perpetual preferred stock
$0Common stock
$4Surplus
$996Undivided profits
Memoranda
$15,929Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4Earning assets
$0Long-term assets (5+ years)
$683Average Assets, year-to-date
$134,659Average Assets, quarterly
$50,766Volatile liabilities
$138,300Insider loans
$144,178FHLB advances
$27,909Loans and leases held for sale
$680Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,306Total risk weighted assets
$6,410Total unused commitments
$0Restructured Loans and leases
$88,394Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$10,993Total interest income
$5,035Total interest expense
$5,958Net interest income
$387Provision for loan and lease losses
$2,150Total noninterest income
$0Fiduciary activities
$1,177Service charges on deposit accounts
$0Trading account gains & fees
$973Additional noninterest income
$5,047Total noninterest expense
$2,246Salaries and employee benefits
$769Premises and equipment expense
$2,032Additional noninterest expense
$2,674Pre-tax net operating income
$258Securities gains (losses)
$745Applicable income taxes
$2,187Income before extraordinary items
$0Extraordinary gains - net
$2,187Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$87Sale, conversion, retirement of capital stock, net
$545Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.62%Yield on earning assets
3.95%Cost of funding earning assets
4.67%Net interest margin
1.69%Noninterest income to earning assets
3.96%Noninterest expense to earning assets
1.44%Net operating income to assets
1.58%Return on assets (ROA)
2.12%Pretax return on assets
13.38%Return on equity (ROE)
10.05%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
444.83%Credit loss provision to net charge-offs
35.18%Efficiency ratio
62,247Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.92%Loss allowance to loans
1.62%Loss allowance to noncurrent loans
33175.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
63.38%Net loans and leases to core deposits
81.17%Equity capital to assets
11.62%Core capital (leverage) ratio
11.57%Tier 1 risk-based capital ratio
18.90%Total risk-based capital ratio
Memoranda
$20Average assets
$138,300Average earning assets
$16,345Average equity
$127,517Average loans
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