Security Bank and Trust Company in city_name, state_name - Detailed Financial Reports, Location

Security Bank and Trust Company in Paris, Tennessee (TN)
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Security Bank and Trust Company routing number info

Security Bank and Trust Company - Overview

General
FDIC Certificate #: 9172
Status: Active
Federal Reserve ID: 118156
Bank Holding Company (Regulatory Top Holder): Security Bancshares, Inc. (RSSDID: 1131693, Location: Paris, TN)
Date Established: January 01, 1905
WWW: http://www.sbtcparis.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 5870
Numeric code: 21
Regulator: FDIC
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
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: 210 West Washington Street, Paris, TN 38242
County: Henry
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
Core Based Statistical Area (CBSA): Paris, TN (#37540)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $172.9 mil
Equity capital: $15.8 mil
Deposits held in domestic offices: $154.4 mil
Return on assets (ROA): 2.64% ($4.6 mil)
Quarterly return on assets: 0.97% ($1.7 mil)
Return on Equity (ROE): 28.23% ($4.5 mil)
Quarterly return on equity: 10.59% ($1.7 mil)
Net income: $4.4 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 2.82% ($4,875.7 mil)
Quarterly Pretax return on assets: 1.03% ($1,780.8 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
41Total employees (full-time equivalent)
$172,896Total assets
$25,805Cash and due from depository institutions
$19,522Interest-bearing balances
$26,241Securities
$0Federal funds sold & reverse repurchase agreements
$110,122Net loans & leases
$615Loan loss allowance
$0Trading account assets
$973Bank premises and fixed assets
$63Other real estate owned
$0Goodwill and other intangibles
$172,895Life insurance assets
$9,692All other assets
$157,120Total liabilities and capital
$154,407Total liabilities
$131,907Total deposits
$154,407Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,494Trading liabilities
$0Other borrowed funds
$1,219Subordinated debt
$15,775All other liabilities
$15,775Total equity capital
$15,775Total bank equity capital
$0Perpetual preferred stock
$235Common stock
$2,065Surplus
$13,475Undivided profits
Memoranda
$0Noncurrent loans and leases
$449Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$28Income earned, not collected on loans
$0Earning assets
$797Long-term assets (5+ years)
$155,885Average Assets, year-to-date
$24,184Average Assets, quarterly
$166,971Volatile liabilities
$174,154Insider loans
$114,401FHLB advances
$174,291Loans and leases held for sale
$7,358Unused loan commitments
$7,358Tier 1 (core) risk-based capital
$15,505Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,072Restructured Loans and leases
$2,423Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,907Total interest income
$1,120Total interest expense
$6,787Net interest income
$0Provision for loan and lease losses
$1,490Total noninterest income
$0Fiduciary activities
$497Service charges on deposit accounts
$0Trading account gains & fees
$993Additional noninterest income
$3,911Total noninterest expense
$2,636Salaries and employee benefits
$358Premises and equipment expense
$917Additional noninterest expense
$4,366Pre-tax net operating income
$344Securities gains (losses)
$296Applicable income taxes
$4,414Income before extraordinary items
$0Extraordinary gains - net
$4,414Net income attributable to bank
$0Net charge-offs
$4,414Cash dividends
$75Sale, conversion, retirement of capital stock, net
$3,548Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.20%Yield on earning assets
0.74%Cost of funding earning assets
4.46%Net interest margin
0.98%Noninterest income to earning assets
2.57%Noninterest expense to earning assets
2.45%Net operating income to assets
2.64%Return on assets (ROA)
2.82%Pretax return on assets
28.23%Return on equity (ROE)
5.54%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
58.21%Efficiency ratio
47,251Assets per employee
4.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
80.38%Loss allowance to loans
0.56%Loss allowance to noncurrent loans
2196.43%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.03%Net loans and leases to deposits
71.32%Net loans and leases to core deposits
89.64%Equity capital to assets
9.12%Core capital (leverage) ratio
8.90%Tier 1 risk-based capital ratio
13.55%Total risk-based capital ratio
Memoranda
$14Average assets
$166,971Average earning assets
$15,635Average equity
$152,148Average loans

List of branches

7 Tennessee Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5870	Security Bank And Trust Company	210 West Washington Street, Paris, TN 38242	January 01, 1905	Full Service Brick and Mortar
1	219594	Cottage Grove Branch	110 Main Street, Cottage Grove, TN 38224	March 03, 1980	Limited Service Facility
2	219595	Paris Landing Branch	Highway 79 East, Buchanan, TN 38224	October 21, 1985	Limited Service Facility
3	1119	Farmers Branch	110 South Front Street, Puryear, TN 38251	July 14, 1907	Limited Service Facility
5	219597	Mineral Wells Avenue Branch	1023 Mineral Wells Avenue, Paris, TN 38242	Febuary 20, 1991	Limited Service Facility
6	219598	Lakeway Shopping Center Branch	Highway 79 East, Paris, TN 38242	May 20, 1992	Limited Service Facility
7	219599	Annex	204 W Washington St, Paris, TN 38242	November 07, 1994	Limited Service Loan Production

Security Bank and Trust Company in Paris, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Security Bank and Trust Company - 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:

Security Bank and Trust Company in Paris, Tennessee (TN)Overview, Financial Summary, Detailed Financial Reports, Branches

Security Bank and Trust Company - 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:

Security Bank and Trust Company in Paris, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches