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

Bank of Halls - Overview

  • General
  • FDIC Certificate #: 10315
    Status: Active
    Federal Reserve ID: 145059
    Bank Holding Company (Regulatory Top Holder): Security Bancorp Of Tennessee, Inc. (RSSDID: 1135374, Location: Halls, TN)
    Date Established: October 13, 1899
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10625
    FDIC's unique #: 6606
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 101 Main Street, Halls, TN 38040
    County: Lauderdale
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $75.4 mil
    Equity capital: $7.7 mil
    Deposits held in domestic offices: $65.2 mil
    Return on assets (ROA): 1.23% ($0.9 mil)
    Quarterly return on assets: 1.05% ($0.8 mil)
    Return on Equity (ROE): 11.36% ($0.9 mil)
    Quarterly return on equity: 9.80% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.41% ($1,063.6 mil)
    Quarterly Pretax return on assets: 0.86% ($648.7 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
  • 15Total employees (full-time equivalent)
  • $75,435Total assets
  • $2,707Cash and due from depository institutions
  • $719Interest-bearing balances
  • $36,059Securities
  • $9,931Federal funds sold & reverse repurchase agreements
  • $23,082Net loans & leases
  • $498Loan loss allowance
  • $0Trading account assets
  • $262Bank premises and fixed assets
  • $54Other real estate owned
  • $0Goodwill and other intangibles
  • $75,435Life insurance assets
  • $3,340All other assets
  • $67,747Total liabilities and capital
  • $65,165Total liabilities
  • $52,188Total deposits
  • $65,165Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $1,082Subordinated debt
  • $7,688All other liabilities
  • $7,688Total equity capital
  • $7,688Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,000Surplus
  • $6,388Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $534Income earned, not collected on loans
  • $0Earning assets
  • $492Long-term assets (5+ years)
  • $69,791Average Assets, year-to-date
  • $33,284Average Assets, quarterly
  • $68,999Volatile liabilities
  • $73,623Insider loans
  • $39,311FHLB advances
  • $74,722Loans and leases held for sale
  • $2,055Unused loan commitments
  • $2,055Tier 1 (core) risk-based capital
  • $6,805Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,469Restructured Loans and leases
  • $3,169Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,807Total interest income
  • $598Total interest expense
  • $2,209Net interest income
  • $100Provision for loan and lease losses
  • $302Total noninterest income
  • $2Fiduciary activities
  • $179Service charges on deposit accounts
  • $0Trading account gains & fees
  • $121Additional noninterest income
  • $1,440Total noninterest expense
  • $683Salaries and employee benefits
  • $195Premises and equipment expense
  • $562Additional noninterest expense
  • $971Pre-tax net operating income
  • $0Securities gains (losses)
  • $123Applicable income taxes
  • $848Income before extraordinary items
  • $0Extraordinary gains - net
  • $848Net income attributable to bank
  • $0Net charge-offs
  • $848Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 11.36%Return on equity (ROE)
  • 3.32%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 769.23%Credit loss provision to net charge-offs
  • 82.38%Efficiency ratio
  • 57,348Assets per employee
  • 5.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.75%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 93.26%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 2.26%Net loans and leases to deposits
  • 35.42%Net loans and leases to core deposits
  • 38.36%Equity capital to assets
  • 10.19%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 17.31%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $68,999Average earning assets
  • $7,465Average equity
  • $63,597Average 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
  • $13,952Managed Assets
  • 1Number of Accounts
  • $13,952Personal trust and agency accounts
  • $288Employee benefit-defined contribution accounts
  • $13,664Employee 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
  • 24Number 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

  • 2 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06606Bank Of Halls101 Main Street, Halls, TN 38040October 13, 1899Full Service Brick and Mortar
    1222263Church Street Branch503 South Church Street, Halls, TN 38040March 30, 1979Full Service Brick and Mortar

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