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

Bank of Camden - Overview

  • General
  • FDIC Certificate #: 9176
    Status: Active
    Federal Reserve ID: 51253
    Bank Holding Company (Regulatory Top Holder): Clayton Bancorp, Inc (RSSDID: 3153242, Location: Knoxville, TN)
    Date Established: Febuary 27, 1931
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 16142
    FDIC's unique #: 5874
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 03, 2009
    Last Structure Change Process Date: November 06, 2009
    Last Data Update: November 06, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 East Main Street, Camden, TN 38320
    County: Benton
    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
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $207.1 mil
    Equity capital: $33.0 mil
    Deposits held in domestic offices: $154.1 mil
    Return on assets (ROA): 1.68% ($3.5 mil)
    Quarterly return on assets: 1.58% ($3.3 mil)
    Return on Equity (ROE): 10.24% ($3.4 mil)
    Quarterly return on equity: 9.72% ($3.2 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 2.20% ($4,555.1 mil)
    Quarterly Pretax return on assets: 2.06% ($4,265.2 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
  • 59Total employees (full-time equivalent)
  • $207,050Total assets
  • $3,166Cash and due from depository institutions
  • $74Interest-bearing balances
  • $27,061Securities
  • $9,789Federal funds sold & reverse repurchase agreements
  • $142,677Net loans & leases
  • $2,903Loan loss allowance
  • $0Trading account assets
  • $5,789Bank premises and fixed assets
  • $1,213Other real estate owned
  • $9,526Goodwill and other intangibles
  • $207,050Life insurance assets
  • $7,829All other assets
  • $174,093Total liabilities and capital
  • $154,064Total liabilities
  • $135,747Total deposits
  • $154,064Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $18,218Trading liabilities
  • $0Other borrowed funds
  • $1,811Subordinated debt
  • $32,957All other liabilities
  • $32,957Total equity capital
  • $32,957Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $22,395Surplus
  • $9,862Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,504Income earned, not collected on loans
  • $0Earning assets
  • $1,316Long-term assets (5+ years)
  • $179,601Average Assets, year-to-date
  • $36,522Average Assets, quarterly
  • $191,259Volatile liabilities
  • $200,151Insider loans
  • $139,956FHLB advances
  • $192,543Loans and leases held for sale
  • $5,369Unused loan commitments
  • $5,369Tier 1 (core) risk-based capital
  • $22,238Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,103Restructured Loans and leases
  • $1,019Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,512Total interest income
  • $2,191Total interest expense
  • $9,321Net interest income
  • $3,154Provision for loan and lease losses
  • $3,530Total noninterest income
  • $0Fiduciary activities
  • $319Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,211Additional noninterest income
  • $5,498Total noninterest expense
  • $2,570Salaries and employee benefits
  • $604Premises and equipment expense
  • $2,324Additional noninterest expense
  • $4,199Pre-tax net operating income
  • $0Securities gains (losses)
  • $995Applicable income taxes
  • $3,204Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,204Net income attributable to bank
  • $0Net charge-offs
  • $3,204Cash dividends
  • $2,807Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.97%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 5.65%Net interest margin
  • 2.14%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 1.68%Net operating income to assets
  • 1.68%Return on assets (ROA)
  • 2.20%Pretax return on assets
  • 10.24%Return on equity (ROE)
  • 10.24%Retained earnings to average equity (YTD only)
  • 2.14%Net charge-offs to loans
  • 112.36%Credit loss provision to net charge-offs
  • 2.62%Efficiency ratio
  • 38,814Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 193.02%Noncurrent assets plus other real estate owned to assets
  • 1.31%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 92.61%Net loans and leases to core deposits
  • 103.80%Equity capital to assets
  • 15.92%Core capital (leverage) ratio
  • 11.55%Tier 1 risk-based capital ratio
  • 15.89%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $191,259Average earning assets
  • $31,289Average equity
  • $165,072Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $248Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $248Other retirement accounts
  • $248Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 8 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05874Bank Of Camden102 East Main Street, Camden, TN 38320Febuary 27, 1931Full Service Brick and Mortar
    1219611West End Drive-In Branch257 West Main Street, Camden, TN 38320June 01, 1972Limited Service Facility
    2219612Big Sandy BranchState Highway 69, Big Sandy, TN 38221October 16, 1972Full Service Brick and Mortar
    3219613641 Branch180 Highway 641 North, Camden, TN 38320August 14, 1995Full Service Brick and Mortar
    4490257Bruceton Branch30703 Broad Street, Bruceton, TN 38317April 15, 2009Full Service Brick and Mortar
    5491080Knoxville Branch8078 Kingston Pike, Suite 111, Knoxville, TN 37919June 01, 2009Full Service Brick and Mortar
    6518288Apex Bank, A Division Of Bank Of Camden2031 Greystone Square, Jackson, TN 38305April 01, 2011Full Service Brick and Mortar
    7522086Mibanco, A Division Of Bank Of Camden4536 Nolensville Pike, Nashville, TN 37211July 25, 2011Full Service Brick and Mortar

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