American City Bank of Tullahoma in Tullahoma, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

American City Bank of Tullahoma - Overview

  • General
  • FDIC Certificate #: 21663
    Status: Active
    Federal Reserve ID: 917331
    Bank Holding Company (Regulatory Top Holder): Clayton Bancorp, Inc (RSSDID: 3153242, Location: Knoxville, TN)
    Date Established: July 01, 1974
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11323
    FDIC's unique #: 14990
    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: July 01, 1974
    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: 340 West Lincoln Street, Tullahoma, TN 37388
    County: Coffee
    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): Tullahoma, TN (#46100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $240.8 mil
    Equity capital: $35.8 mil
    Deposits held in domestic offices: $190.6 mil
    Return on assets (ROA): 0.94% ($2.3 mil)
    Quarterly return on assets: 1.29% ($3.1 mil)
    Return on Equity (ROE): 6.39% ($2.3 mil)
    Quarterly return on equity: 8.55% ($3.1 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.05% ($2,528.6 mil)
    Quarterly Pretax return on assets: 1.45% ($3,491.8 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
  • 55Total employees (full-time equivalent)
  • $240,817Total assets
  • $7,367Cash and due from depository institutions
  • $1,186Interest-bearing balances
  • $28,573Securities
  • $7,325Federal funds sold & reverse repurchase agreements
  • $178,833Net loans & leases
  • $2,277Loan loss allowance
  • $0Trading account assets
  • $4,392Bank premises and fixed assets
  • $2,037Other real estate owned
  • $9,200Goodwill and other intangibles
  • $240,817Life insurance assets
  • $3,090All other assets
  • $205,023Total liabilities and capital
  • $190,564Total liabilities
  • $163,724Total deposits
  • $190,564Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,172Trading liabilities
  • $0Other borrowed funds
  • $1,287Subordinated debt
  • $35,794All other liabilities
  • $35,794Total equity capital
  • $35,794Total bank equity capital
  • $0Perpetual preferred stock
  • $362Common stock
  • $23,165Surplus
  • $12,267Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,979Income earned, not collected on loans
  • $0Earning assets
  • $1,275Long-term assets (5+ years)
  • $215,917Average Assets, year-to-date
  • $28,299Average Assets, quarterly
  • $237,551Volatile liabilities
  • $236,674Insider loans
  • $183,611FHLB advances
  • $230,464Loans and leases held for sale
  • $414Unused loan commitments
  • $414Tier 1 (core) risk-based capital
  • $25,470Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,802Restructured Loans and leases
  • $3,129Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,757Total interest income
  • $3,010Total interest expense
  • $9,747Net interest income
  • $2,806Provision for loan and lease losses
  • $469Total noninterest income
  • $0Fiduciary activities
  • $341Service charges on deposit accounts
  • $0Trading account gains & fees
  • $128Additional noninterest income
  • $4,923Total noninterest expense
  • $2,359Salaries and employee benefits
  • $355Premises and equipment expense
  • $2,209Additional noninterest expense
  • $2,487Pre-tax net operating income
  • $0Securities gains (losses)
  • $252Applicable income taxes
  • $2,235Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,235Net income attributable to bank
  • $0Net charge-offs
  • $2,235Cash dividends
  • $3,804Sale, conversion, retirement of capital stock, net
  • $349Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.95%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 4.55%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.30%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 6.39%Return on equity (ROE)
  • 5.39%Retained earnings to average equity (YTD only)
  • 2.12%Net charge-offs to loans
  • 73.76%Credit loss provision to net charge-offs
  • 1.39%Efficiency ratio
  • 44,264Assets per employee
  • 4.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.62%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 45.73%Noncurrent assets plus other real estate owned to assets
  • 2.91%Noncurrent loans to loans
  • 2.75%Net loans and leases to deposits
  • 93.84%Net loans and leases to core deposits
  • 109.43%Equity capital to assets
  • 14.86%Core capital (leverage) ratio
  • 11.05%Tier 1 risk-based capital ratio
  • 13.87%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $237,551Average earning assets
  • $34,967Average equity
  • $214,437Average loans

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014990American City Bank Of Tullahoma340 West Lincoln Street, Tullahoma, TN 37388July 01, 1974Full Service Brick and Mortar
    1253198Northgate Branch1700 North Jackson Street, Tullahoma, TN 37388August 16, 1976Full Service Brick and Mortar
    2253199Manchester Branch1500 Hillsboro Highway, Manchester, TN 37355July 29, 1983Full Service Brick and Mortar
    7465432American City Bank, Decherd Branch2200 Decherd Boulevard, Decherd, TN 37324July 09, 2007Full Service Brick and Mortar

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