Bank of Perry County in Lobelville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Perry County in Lobelville, Tennessee (TN)
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Bank of Perry County - Overview

  • General
  • FDIC Certificate #: 1713
    Status: Active
    Federal Reserve ID: 284239
    Date Established: September 01, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 1128
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 27, 2010
    Last Structure Change Process Date: May 27, 2010
    Last Data Update: May 27, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 33 South Main Street, Lobelville, TN 37097
    County: Perry
    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
  • Change in Location
  • Financial Summary
  • Total assets: $144.3 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $113.7 mil
    Return on assets (ROA): 1.79% ($2.6 mil)
    Quarterly return on assets: 1.38% ($2.0 mil)
    Return on Equity (ROE): 17.90% ($2.5 mil)
    Quarterly return on equity: 14.08% ($2.0 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.93% ($2,784.8 mil)
    Quarterly Pretax return on assets: 1.52% ($2,193.2 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
  • 39Total employees (full-time equivalent)
  • $144,292Total assets
  • $8,631Cash and due from depository institutions
  • $0Interest-bearing balances
  • $6,942Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $118,505Net loans & leases
  • $1,619Loan loss allowance
  • $0Trading account assets
  • $3,488Bank premises and fixed assets
  • $2,054Other real estate owned
  • $0Goodwill and other intangibles
  • $144,292Life insurance assets
  • $4,672All other assets
  • $130,324Total liabilities and capital
  • $113,655Total liabilities
  • $99,837Total deposits
  • $113,655Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,190Trading liabilities
  • $0Other borrowed funds
  • $479Subordinated debt
  • $13,968All other liabilities
  • $13,968Total equity capital
  • $13,968Total bank equity capital
  • $0Perpetual preferred stock
  • $70Common stock
  • $70Surplus
  • $13,828Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,302Income earned, not collected on loans
  • $0Earning assets
  • $867Long-term assets (5+ years)
  • $125,447Average Assets, year-to-date
  • $57,625Average Assets, quarterly
  • $138,935Volatile liabilities
  • $142,808Insider loans
  • $107,824FHLB advances
  • $142,162Loans and leases held for sale
  • $2,683Unused loan commitments
  • $2,683Tier 1 (core) risk-based capital
  • $13,968Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,595Restructured Loans and leases
  • $2,596Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,594Total interest income
  • $1,791Total interest expense
  • $6,803Net interest income
  • $735Provision for loan and lease losses
  • $807Total noninterest income
  • $0Fiduciary activities
  • $647Service charges on deposit accounts
  • $0Trading account gains & fees
  • $160Additional noninterest income
  • $4,192Total noninterest expense
  • $2,038Salaries and employee benefits
  • $355Premises and equipment expense
  • $1,799Additional noninterest expense
  • $2,683Pre-tax net operating income
  • $0Securities gains (losses)
  • $195Applicable income taxes
  • $2,488Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,488Net income attributable to bank
  • $0Net charge-offs
  • $2,488Cash dividends
  • $536Sale, conversion, retirement of capital stock, net
  • $2,172Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.09%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 5.61%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 1.79%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 17.90%Return on equity (ROE)
  • 2.27%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 137.13%Credit loss provision to net charge-offs
  • 6.38%Efficiency ratio
  • 55,085Assets per employee
  • 3.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.30%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 124.35%Noncurrent assets plus other real estate owned to assets
  • 2.33%Noncurrent loans to loans
  • 1.08%Net loans and leases to deposits
  • 104.27%Net loans and leases to core deposits
  • 117.19%Equity capital to assets
  • 9.68%Core capital (leverage) ratio
  • 9.83%Tier 1 risk-based capital ratio
  • 12.95%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $138,935Average earning assets
  • $13,897Average equity
  • $121,197Average loans

List of branches

  • 3 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01128Bank Of Perry County33 South Main Street, Lobelville, TN 37097September 01, 1905Full Service Brick and Mortar
    2446051Linden Branch318 South Mill Street, Linden, TN 37096November 17, 2005Full Service Brick and Mortar
    4488809Bank Of Lewis County, A Branch Of Bank Of Perry County434 East Main Street, Hohenwald, TN 38462September 08, 2008Full Service Brick and Mortar

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