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

  • Bank of Dickson in Dickson, Tennessee (TN)
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Bank of Dickson - Overview

  • General
  • FDIC Certificate #: 17327
    Status: Active
    Federal Reserve ID: 638131
    Bank Holding Company (Regulatory Top Holder): Dickson Financial Corporation (RSSDID: 1085899, Location: Dickson, TN)
    Date Established: May 26, 1954
    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 #: 11810
    FDIC's unique #: 11339
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 26, 1954
    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: 466 Highway 46, Dickson, TN 37055
    County: Dickson
    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
    Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $202.4 mil
    Equity capital: $27.0 mil
    Deposits held in domestic offices: $167.5 mil
    Return on assets (ROA): 0.88% ($1.8 mil)
    Quarterly return on assets: 0.84% ($1.7 mil)
    Return on Equity (ROE): 6.49% ($1.8 mil)
    Quarterly return on equity: 6.16% ($1.7 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.21% ($2,449.5 mil)
    Quarterly Pretax return on assets: 1.16% ($2,348.3 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
  • 47Total employees (full-time equivalent)
  • $202,438Total assets
  • $10,245Cash and due from depository institutions
  • $9,278Interest-bearing balances
  • $79,444Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $105,127Net loans & leases
  • $1,682Loan loss allowance
  • $0Trading account assets
  • $4,139Bank premises and fixed assets
  • $397Other real estate owned
  • $0Goodwill and other intangibles
  • $202,438Life insurance assets
  • $3,086All other assets
  • $175,451Total liabilities and capital
  • $167,526Total liabilities
  • $143,769Total deposits
  • $167,526Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 870.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $2,055Subordinated debt
  • $26,987All other liabilities
  • $26,987Total equity capital
  • $26,987Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $24,987Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $407Income earned, not collected on loans
  • $0Earning assets
  • $1,169Long-term assets (5+ years)
  • $193,849Average Assets, year-to-date
  • $104,513Average Assets, quarterly
  • $197,584Volatile liabilities
  • $201,205Insider loans
  • $103,208FHLB advances
  • $197,508Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,307Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,750Restructured Loans and leases
  • $2,496Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,720Total interest income
  • $2,136Total interest expense
  • $6,584Net interest income
  • $45Provision for loan and lease losses
  • $1,058Total noninterest income
  • $11Fiduciary activities
  • $739Service charges on deposit accounts
  • $0Trading account gains & fees
  • $308Additional noninterest income
  • $5,198Total noninterest expense
  • $2,714Salaries and employee benefits
  • $853Premises and equipment expense
  • $1,631Additional noninterest expense
  • $2,399Pre-tax net operating income
  • $0Securities gains (losses)
  • $665Applicable income taxes
  • $1,734Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,734Net income attributable to bank
  • $0Net charge-offs
  • $1,734Cash dividends
  • $208Sale, conversion, retirement of capital stock, net
  • $2,088Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 6.49%Return on equity (ROE)
  • -1.32%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 21.63%Credit loss provision to net charge-offs
  • 11.75%Efficiency ratio
  • 68,019Assets per employee
  • 4.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 120.42%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 413.27%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 62.75%Net loans and leases to core deposits
  • 63.67%Equity capital to assets
  • 13.33%Core capital (leverage) ratio
  • 12.31%Tier 1 risk-based capital ratio
  • 23.55%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $197,584Average earning assets
  • $26,719Average equity
  • $189,030Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,023Managed Assets
  • 1Number of Accounts
  • $2,023Personal trust and agency accounts
  • $2,023Employee 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
  • 3Number 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
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011339Bank Of Dickson466 Highway 46, Dickson, TN 37055May 26, 1954Full Service Brick and Mortar
    2241463Main Street Branch101 North Main Street, Dickson, TN 37055December 04, 1978Full Service Brick and Mortar
    3241464Henslee Drive Branch107 Henslee Drive, Dickson, TN 37055November 02, 1987Full Service Brick and Mortar
    4241465Pomona Office1924 Highway 46 S, Dickson, TN 37055May 05, 1997Full Service Brick and Mortar

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