Bank of Halls in Halls, Tennessee (TN)

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Bank of Halls
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)15
Total assets$75,435
Cash and due from depository institutions$2,707
Interest-bearing balances$719
Federal funds sold & reverse repurchase agreements$9,931
Net loans & leases$23,082
Loan loss allowance $498
Trading account assets$0
Bank premises and fixed assets$262
Other real estate owned$54
Goodwill and other intangibles$0
All other assets$3,340
Life insurance assets$75,435
Total liabilities and capital$67,747
Total liabilities$65,165
Total deposits$52,188
Interest-bearing deposits$65,165
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,500
Other borrowed funds $0
Subordinated debt $1,082
All other liabilities $7,688
Total equity capital$7,688
Total bank equity capital$7,688
Perpetual preferred stock$0
Common stock$300
Undivided profits $6,388
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $534
Earning assets $0
Long-term assets (5+ years) $492
Average Assets, year-to-date $69,791
Average Assets, quarterly $33,284
Volatile liabilities $68,999
Insider loans $73,623
FHLB advances $39,311
Loans and leases held for sale $74,722
Unused loan commitments $2,055
Tier 1 (core) risk-based capital $2,055
Tier 2 risk-based capital $6,805
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,469
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,807
Total interest expense $598
Net interest income $2,209
Provision for loan and lease losses $100
Total noninterest income $302
Fiduciary activities $2
Service charges on deposit accounts $179
Trading account gains & fees $0
Additional noninterest income $121
Total noninterest expense $1,440
Salaries and employee benefits $683
Premises and equipment expense $195
Additional noninterest expense $562
Pre-tax net operating income $971
Securities gains (losses) $0
Applicable income taxes $123
Income before extraordinary items $848
Extraordinary gains - net $0
Net income attributable to bank $848
Net charge-offs $0
Cash dividends $848
Sale, conversion, retirement of capital stock, net $13
Net operating income $600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.41%
Cost of funding earning assets 0.94%
Net interest margin 3.47%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 2.26%
Net operating income to assets 1.23%
Return on assets (ROA) 1.23%
Pretax return on assets 1.41%
Return on equity (ROE) 11.36%
Retained earnings to average equity (YTD only) 3.32%
Net charge-offs to loans 0.05%
Credit loss provision to net charge-offs 769.23%
Efficiency ratio82.38%
Assets per employee$57,348
Cash dividends to net income (YTD only)5.03%
Condition Ratios (%)
Loss allowance to loans 70.75%
Loss allowance to noncurrent loans 2.11%
Noncurrent assets plus other real estate owned to assets 93.26%
Noncurrent loans to loans 0.78%
Net loans and leases to deposits2.26%
Net loans and leases to core deposits 35.42%
Equity capital to assets 38.36%
Core capital (leverage) ratio 10.19%
Tier 1 risk-based capital ratio 9.11%
Total risk-based capital ratio 17.31%
Average assets$19
Average earning assets$68,999
Average equity $7,465
Average loans $63,597
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$13,952
Number of Accounts1
Personal trust and agency accounts$13,952
Employee benefit-defined contribution accounts$288
Employee benefit-defined benefit accounts$13,664
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts24
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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