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

This bank is inactive as of November 18, 1996

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

General
FDIC Certificate #: 1694
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Vantage Bank-Tennessee (#27354)
Federal Reserve ID: 166139
Date Established: January 01, 1890
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Interstate: No)
FDIC's unique #: 1116
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: November 18, 1996
Last Structure Change Process Date: December 10, 1996
Last Data Update: December 10, 1996
Data Source Date: April 05, 2012
Location
Address: Warren Street, Madisonville, TN 37354
County: Monroe
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Knoxville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $82.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$41Total assets
$86,224Cash and due from depository institutions
$3,168Interest-bearing balances
$0Securities
$30,819Federal funds sold & reverse repurchase agreements
$1,620Net loans & leases
$49,071Loan loss allowance
$442Trading account assets
$0Bank premises and fixed assets
$440Other real estate owned
$38Goodwill and other intangibles
$1,068Life insurance assets
$0All other assets
$0Total liabilities and capital
$86,224Total liabilities
$77,881Total deposits
$77,257Interest-bearing deposits
$68,341Deposits held in domestic offices
77257.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$624Total equity capital
$624Total bank equity capital
$8,343Perpetual preferred stock
$0Common stock
$1,500Surplus
$1,500Undivided profits
Memoranda
$5,343Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$59Income earned, not collected on loans
$146Earning assets
$81,510Long-term assets (5+ years)
$17,788Average Assets, year-to-date
$86,524Average Assets, quarterly
$86,472Volatile liabilities
$4,048Insider loans
$1,232FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$4,962Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$8,343Total risk weighted assets
$39,383Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$6,108Total interest expense
$2,699Net interest income
$3,409Provision for loan and lease losses
$12Total noninterest income
$569Fiduciary activities
$0Service charges on deposit accounts
$348Trading account gains & fees
$0Additional noninterest income
$221Total noninterest expense
$2,544Salaries and employee benefits
$1,058Premises and equipment expense
$182Additional noninterest expense
$1,304Pre-tax net operating income
$1,422Securities gains (losses)
$3Applicable income taxes
$507Income before extraordinary items
$918Extraordinary gains - net
$0Net income attributable to bank
$918Net charge-offs
$29Cash dividends
$727Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.47%Cost of funding earning assets
3.30%Net interest margin
4.17%Noninterest income to earning assets
0.70%Noninterest expense to earning assets
3.11%Net operating income to assets
1.06%Return on assets (ROA)
1.06%Pretax return on assets
1.65%Return on equity (ROE)
11.17%Retained earnings to average equity (YTD only)
2.32%Net charge-offs to loans
0.06%Credit loss provision to net charge-offs
41.38%Efficiency ratio
63,952Assets per employee
2.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
79.19%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
749.15%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.12%Net loans and leases to deposits
63.52%Net loans and leases to core deposits
67.03%Equity capital to assets
9.68%Core capital (leverage) ratio
9.74%Tier 1 risk-based capital ratio
21.18%Total risk-based capital ratio
Memoranda
$22Average assets
$86,524Average earning assets
$8,218Average equity
$81,780Average loans

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