Bank of Lincoln County in Fayetteville, Tennessee (TN)

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Bank of Lincoln County routing number info

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Bank of Lincoln County
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)37
Total assets$124,883
Cash and due from depository institutions$18,056
Interest-bearing balances$16,374
Federal funds sold & reverse repurchase agreements$2,150
Net loans & leases$70,966
Loan loss allowance $781
Trading account assets$0
Bank premises and fixed assets$4,093
Other real estate owned$10,701
Goodwill and other intangibles$0
All other assets$2,491
Life insurance assets$124,883
Total liabilities and capital$109,520
Total liabilities$109,277
Total deposits$95,358
Interest-bearing deposits$109,277
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $243
All other liabilities $15,363
Total equity capital$15,363
Total bank equity capital$15,363
Perpetual preferred stock$0
Common stock$2,460
Undivided profits $2,313
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 $851
Earning assets $0
Long-term assets (5+ years) $799
Average Assets, year-to-date $105,916
Average Assets, quarterly $15,263
Volatile liabilities $132,190
Insider loans $126,397
FHLB advances $104,019
Loans and leases held for sale $127,537
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,714
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,284
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,966
Total interest expense $1,302
Net interest income $5,664
Provision for loan and lease losses $1,647
Total noninterest income $544
Fiduciary activities $0
Service charges on deposit accounts $468
Trading account gains & fees $0
Additional noninterest income $76
Total noninterest expense $5,003
Salaries and employee benefits $2,431
Premises and equipment expense $678
Additional noninterest expense $1,894
Pre-tax net operating income -$442
Securities gains (losses) $0
Applicable income taxes -$254
Income before extraordinary items -$188
Extraordinary gains - net $0
Net income attributable to bank -$188
Net charge-offs $0
Cash dividends -$188
Sale, conversion, retirement of capital stock, net $2,643
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.12%
Cost of funding earning assets 1.14%
Net interest margin 4.98%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 4.40%
Net operating income to assets -0.14%
Return on assets (ROA) -0.14%
Pretax return on assets -0.33%
Return on equity (ROE) -1.21%
Retained earnings to average equity (YTD only) -1.21%
Net charge-offs to loans 3.28%
Credit loss provision to net charge-offs 62.32%
Efficiency ratio0.46%
Assets per employee$80,590
Cash dividends to net income (YTD only)3.38%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.09%
Noncurrent assets plus other real estate owned to assets 91.77%
Noncurrent loans to loans 9.25%
Net loans and leases to deposits1.19%
Net loans and leases to core deposits 64.94%
Equity capital to assets 72.36%
Core capital (leverage) ratio 12.30%
Tier 1 risk-based capital ratio 11.54%
Total risk-based capital ratio 14.15%
Average assets$15
Average earning assets$132,190
Average equity $15,569
Average loans $113,822
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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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