Bank of Lincoln County in Fayetteville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Lincoln County - Overview

  • General
  • FDIC Certificate #: 57396
    Status: Active
    Federal Reserve ID: 3128923
    Date Established: July 22, 2002
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 363130
    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: July 22, 2002
    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: 307 East College Street, Fayetteville, TN 37334
    County: Lincoln
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.9 mil
    Equity capital: $15.4 mil
    Deposits held in domestic offices: $109.3 mil
    Return on assets (ROA): -0.14% (-$0.2 mil)
    Quarterly return on assets: -1.88% (-$2.4 mil)
    Return on Equity (ROE): -1.21% (-$0.2 mil)
    Quarterly return on equity: -15.14% (-$2.3 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -0.33% (-$412.1 mil)
    Quarterly Pretax return on assets: -3.71% (-$4,633.2 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
  • 37Total employees (full-time equivalent)
  • $124,883Total assets
  • $18,056Cash and due from depository institutions
  • $16,374Interest-bearing balances
  • $16,426Securities
  • $2,150Federal funds sold & reverse repurchase agreements
  • $70,966Net loans & leases
  • $781Loan loss allowance
  • $0Trading account assets
  • $4,093Bank premises and fixed assets
  • $10,701Other real estate owned
  • $0Goodwill and other intangibles
  • $124,883Life insurance assets
  • $2,491All other assets
  • $109,520Total liabilities and capital
  • $109,277Total liabilities
  • $95,358Total deposits
  • $109,277Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $243Subordinated debt
  • $15,363All other liabilities
  • $15,363Total equity capital
  • $15,363Total bank equity capital
  • $0Perpetual preferred stock
  • $2,460Common stock
  • $10,590Surplus
  • $2,313Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $851Income earned, not collected on loans
  • $0Earning assets
  • $799Long-term assets (5+ years)
  • $105,916Average Assets, year-to-date
  • $15,263Average Assets, quarterly
  • $132,190Volatile liabilities
  • $126,397Insider loans
  • $104,019FHLB advances
  • $127,537Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,714Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,284Restructured Loans and leases
  • $3,027Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,966Total interest income
  • $1,302Total interest expense
  • $5,664Net interest income
  • $1,647Provision for loan and lease losses
  • $544Total noninterest income
  • $0Fiduciary activities
  • $468Service charges on deposit accounts
  • $0Trading account gains & fees
  • $76Additional noninterest income
  • $5,003Total noninterest expense
  • $2,431Salaries and employee benefits
  • $678Premises and equipment expense
  • $1,894Additional noninterest expense
  • -$442Pre-tax net operating income
  • $0Securities gains (losses)
  • -$254Applicable income taxes
  • -$188Income before extraordinary items
  • $0Extraordinary gains - net
  • -$188Net income attributable to bank
  • $0Net charge-offs
  • -$188Cash dividends
  • $2,643Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.12%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 4.98%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 4.40%Noninterest expense to earning assets
  • -0.14%Net operating income to assets
  • -0.14%Return on assets (ROA)
  • -0.33%Pretax return on assets
  • -1.21%Return on equity (ROE)
  • -1.21%Retained earnings to average equity (YTD only)
  • 3.28%Net charge-offs to loans
  • 62.32%Credit loss provision to net charge-offs
  • 0.46%Efficiency ratio
  • 80,590Assets per employee
  • 3.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 91.77%Noncurrent assets plus other real estate owned to assets
  • 9.25%Noncurrent loans to loans
  • 1.19%Net loans and leases to deposits
  • 64.94%Net loans and leases to core deposits
  • 72.36%Equity capital to assets
  • 12.30%Core capital (leverage) ratio
  • 11.54%Tier 1 risk-based capital ratio
  • 14.15%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $132,190Average earning assets
  • $15,569Average equity
  • $113,822Average loans

List of branches

  • 3 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363130Bank Of Lincoln County307 East College Street, Fayetteville, TN 37334July 22, 2002Full Service Brick and Mortar
    1364135Fayetteville Branch2720 Huntsville Highway, Fayetteville, TN 37334July 22, 2002Full Service Brick and Mortar
    2432438West College Street Branch202 West College Street, Fayetteville, TN 37334July 12, 2004Full Service Brick and Mortar

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