AmSouth Bank of Tennessee in Chattanooga, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 26, 1997

  • AmSouth Bank of Tennessee in Chattanooga, Tennessee (TN)
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AmSouth Bank of Tennessee - Overview

  • General
  • FDIC Certificate #: 33431
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: AmSouth Bank (#26800)
    Federal Reserve ID: 1864937
    Date Established: June 07, 1991
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 24 (Interstate: No)
    OTS Docket #: 10719
    FDIC's unique #: 47113
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 07, 1991
    Last Structure Change Effective Date: June 26, 1997
    Last Structure Change Process Date: July 02, 1997
    Last Data Update: July 02, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 Market Center, Chattanooga, TN 37402
    County: Hamilton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Chattanooga, TN-GA (#1560)
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • Financial Summary
  • Total assets: $1,132.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $255Total assets
  • $1,127,071Cash and due from depository institutions
  • $27,499Interest-bearing balances
  • $21Securities
  • $282,904Federal funds sold & reverse repurchase agreements
  • $960Net loans & leases
  • $766,199Loan loss allowance
  • $11,712Trading account assets
  • $0Bank premises and fixed assets
  • $20,151Other real estate owned
  • $135Goodwill and other intangibles
  • $14,569Life insurance assets
  • $14,654All other assets
  • $0Total liabilities and capital
  • $1,127,071Total liabilities
  • $1,008,346Total deposits
  • $755,141Interest-bearing deposits
  • $705,334Deposits held in domestic offices
  • 755141.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $144,169Trading liabilities
  • $0Other borrowed funds
  • $95,438Subordinated debt
  • $0All other liabilities
  • $13,598Total equity capital
  • $13,598Total bank equity capital
  • $118,725Perpetual preferred stock
  • $0Common stock
  • $375Surplus
  • $104,859Undivided profits
  • Memoranda
  • $13,491Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,478Income earned, not collected on loans
  • $6,732Earning assets
  • $1,050,084Long-term assets (5+ years)
  • $317,695Average Assets, year-to-date
  • $1,100,825Average Assets, quarterly
  • $1,120,574Volatile liabilities
  • $246,467Insider loans
  • $7,750FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $185,185Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $102,637Total risk weighted assets
  • $766,925Total unused commitments
  • $0Restructured Loans and leases
  • $10,000Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $82,910Total interest expense
  • $46,669Net interest income
  • $36,241Provision for loan and lease losses
  • $4,161Total noninterest income
  • $6,757Fiduciary activities
  • $566Service charges on deposit accounts
  • $4,102Trading account gains & fees
  • $0Additional noninterest income
  • $2,089Total noninterest expense
  • $27,464Salaries and employee benefits
  • $9,140Premises and equipment expense
  • $3,841Additional noninterest expense
  • $14,483Pre-tax net operating income
  • $11,373Securities gains (losses)
  • $267Applicable income taxes
  • $5,043Income before extraordinary items
  • $6,597Extraordinary gains - net
  • $0Net income attributable to bank
  • $6,597Net charge-offs
  • $4,537Cash dividends
  • $5,700Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.02%Cost of funding earning assets
  • 4.52%Net interest margin
  • 3.51%Noninterest income to earning assets
  • 0.65%Noninterest expense to earning assets
  • 2.66%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 1.06%Return on equity (ROE)
  • 5.63%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 0.60%Credit loss provision to net charge-offs
  • 91.71%Efficiency ratio
  • 60,698Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.40%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 261.55%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 101.46%Net loans and leases to core deposits
  • 107.10%Equity capital to assets
  • 10.53%Core capital (leverage) ratio
  • 9.39%Tier 1 risk-based capital ratio
  • 13.38%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,100,825Average earning assets
  • $117,175Average equity
  • $1,033,281Average loans

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