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

This bank is inactive as of December 03, 2004

Bank of Dyer in Dyer, Tennessee (TN)
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Bank of Dyer - Overview

General
FDIC Certificate #: 2372
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Farmers & Merchants Bank (#1480)
Federal Reserve ID: 131753
Date Established: January 01, 1904
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Interstate: No)
FDIC's unique #: 1559
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 03, 2004
Last Structure Change Process Date: December 13, 2004
Last Data Update: December 13, 2004
Data Source Date: April 05, 2012
Location
Address: 126 South Main Street, Dyer, TN 38330
County: Gibson
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Jackson-Humboldt, TN (#297)
Core Based Statistical Area (CBSA): Humboldt, TN (#26480)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $39.4 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, 2003)

Dollar figures in thousands
19Total employees (full-time equivalent)
$48,122Total assets
$1,544Cash and due from depository institutions
$302Interest-bearing balances
$17,820Securities
$905Federal funds sold & reverse repurchase agreements
$24,112Net loans & leases
$640Loan loss allowance
$0Trading account assets
$1,917Bank premises and fixed assets
$447Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,377All other assets
$48,122Total liabilities and capital
$44,607Total liabilities
$34,432Total deposits
$30,601Interest-bearing deposits
$34,432Deposits held in domestic offices
0.00%% insured (estimated)
$1,000Federal funds purchased & repurchase agreements
$0Trading liabilities
$8,852Other borrowed funds
$0Subordinated debt
$323All other liabilities
$3,515Total equity capital
$3,515Total bank equity capital
$3,515Perpetual preferred stock
$0Common stock
$200Surplus
$2,225Undivided profits
Memoranda
$1,090Noncurrent loans and leases
$454Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$584Earning assets
$0Long-term assets (5+ years)
$228Average Assets, year-to-date
$43,139Average Assets, quarterly
$18,687Volatile liabilities
$49,556Insider loans
$48,894FHLB advances
$5,953Loans and leases held for sale
$1,736Unused loan commitments
$8,852Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$454Total unused commitments
$0Restructured Loans and leases
$345Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$2,686Total interest income
$939Total interest expense
$1,747Net interest income
$419Provision for loan and lease losses
$321Total noninterest income
$0Fiduciary activities
$332Service charges on deposit accounts
$0Trading account gains & fees
-$11Additional noninterest income
$2,254Total noninterest expense
$855Salaries and employee benefits
$411Premises and equipment expense
$988Additional noninterest expense
-$605Pre-tax net operating income
$37Securities gains (losses)
-$221Applicable income taxes
-$347Income before extraordinary items
$0Extraordinary gains - net
-$347Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$765Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.17%Yield on earning assets
2.16%Cost of funding earning assets
4.01%Net interest margin
0.74%Noninterest income to earning assets
5.18%Noninterest expense to earning assets
-0.75%Net operating income to assets
-0.70%Return on assets (ROA)
-1.15%Pretax return on assets
-9.53%Return on equity (ROE)
-9.53%Retained earnings to average equity (YTD only)
2.61%Net charge-offs to loans
54.77%Credit loss provision to net charge-offs
-0.24%Efficiency ratio
108,994Assets per employee
2.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.59%Loss allowance to noncurrent loans
109.59%Noncurrent assets plus other real estate owned to assets
2.14%Noncurrent loans to loans
2.36%Net loans and leases to deposits
70.03%Net loans and leases to core deposits
81.79%Equity capital to assets
7.30%Core capital (leverage) ratio
7.16%Tier 1 risk-based capital ratio
12.92%Total risk-based capital ratio
Memoranda
$14Average assets
$49,556Average earning assets
$3,642Average equity
$43,518Average loans

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