FDIC Certificate #: 4919 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Community First Bank & Trust (#35165) Federal Reserve ID: 189530 Date Established: January 01, 1885 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 3265 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 31, 2008 Last Structure Change Process Date: Febuary 07, 2008 Last Data Update: Febuary 07, 2008 Data Source Date: April 05, 2012
Location
Address: 314 North Public Square, Centerville, TN 37033 County: Hickman 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 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: $108.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
32Total employees (full-time equivalent)
$108,746Total assets
$1,238Cash and due from depository institutions
$0Interest-bearing balances
$41,229Securities
$7,403Federal funds sold & reverse repurchase agreements
$48,000Net loans & leases
$700Loan loss allowance
$0Trading account assets
$2,230Bank premises and fixed assets
$325Other real estate owned
$7,434Goodwill and other intangibles
$0Life insurance assets
$887All other assets
$108,746Total liabilities and capital
$93,274Total liabilities
$91,735Total deposits
$78,995Interest-bearing deposits
$91,735Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,539All other liabilities
$15,472Total equity capital
$15,472Total bank equity capital
$15,472Perpetual preferred stock
$0Common stock
$500Surplus
$14,771Undivided profits
Memoranda
$201Noncurrent loans and leases
$3,235Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$721Earning assets
$0Long-term assets (5+ years)
$778Average Assets, year-to-date
$96,632Average Assets, quarterly
$50,389Volatile liabilities
$104,090Insider loans
$105,044FHLB advances
$14,443Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,235Total unused commitments
$0Restructured Loans and leases
$615Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$1,188Total interest income
$482Total interest expense
$706Net interest income
$0Provision for loan and lease losses
$92Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$520Total noninterest expense
$254Salaries and employee benefits
$65Premises and equipment expense
$201Additional noninterest expense
$278Pre-tax net operating income
$19Securities gains (losses)
$97Applicable income taxes
$200Income before extraordinary items
$0Extraordinary gains - net
$200Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$31Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.21%Yield on earning assets
0.49%Cost of funding earning assets
0.72%Net interest margin
0.09%Noninterest income to earning assets
0.53%Noninterest expense to earning assets
0.18%Net operating income to assets
0.19%Return on assets (ROA)
0.29%Pretax return on assets
1.31%Return on equity (ROE)
1.31%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
8.97%Efficiency ratio
65,163Assets per employee
3.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
97.09%Noncurrent assets plus other real estate owned to assets
0.96%Noncurrent loans to loans
1.48%Net loans and leases to deposits
52.32%Net loans and leases to core deposits
62.10%Equity capital to assets
14.23%Core capital (leverage) ratio
8.27%Tier 1 risk-based capital ratio
16.36%Total risk-based capital ratio
Memoranda
$18Average assets
$104,090Average earning assets
$15,304Average equity
$97,841Average loans
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