Bank of Putnam County in Cookeville, Tennessee (TN)

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Bank of Putnam County routing number info

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Bank of Putnam County
GeneralFDIC Certificate #: 8432
Status: Active
Federal Reserve ID: 99536
Bank Holding Company (Regulatory Top Holder): B.P.c. Corporation (RSSDID: 1081613, Location: Cookeville, TN)
Date Established: November 01, 1901
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 10864
FDIC's unique #: 5367
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: All Other Specialization < 1 Billion
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: 140 South Jefferson Street, Cookeville, TN 38501
County: Putnam
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
Core Based Statistical Area (CBSA): Cookeville, TN (#18260)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $371.3 mil
Equity capital: $27.6 mil
Deposits held in domestic offices: $339.3 mil
Return on assets (ROA): 1.05% ($3.9 mil)
Quarterly return on assets: 1.32% ($4.9 mil)
Return on Equity (ROE): 13.81% ($3.9 mil)
Quarterly return on equity: 17.31% ($4.8 mil)
Net income: $3.7 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.13% ($4,195.3 mil)
Quarterly Pretax return on assets: 1.41% ($5,234.8 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)90
Total assets$371,263
Cash and due from depository institutions$83,994
Interest-bearing balances$78,783
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$164,178
Loan loss allowance $1,427
Trading account assets$0
Bank premises and fixed assets$5,509
Other real estate owned$0
Goodwill and other intangibles$30
All other assets$7,989
Life insurance assets$371,263
Total liabilities and capital$343,629
Total liabilities$339,255
Total deposits$301,221
Interest-bearing deposits$339,255
Deposits held in domestic offices$93
% insured (estimated)1023.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,351
All other liabilities $27,634
Total equity capital$27,634
Total bank equity capital$27,634
Perpetual preferred stock$0
Common stock$953
Undivided profits $22,228
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $452
Income earned, not collected on loans $236
Earning assets $0
Long-term assets (5+ years) $880
Average Assets, year-to-date $352,524
Average Assets, quarterly $54,676
Volatile liabilities $356,424
Insider loans $363,514
FHLB advances $136,032
Loans and leases held for sale $353,092
Unused loan commitments $5,267
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $28,081
Total risk weighted assets $0
Total unused commitments $5,267
Restructured Loans and leases $12,447
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,281
Total interest expense $3,232
Net interest income $9,049
Provision for loan and lease losses $295
Total noninterest income $4,483
Fiduciary activities $0
Service charges on deposit accounts $2,089
Trading account gains & fees $0
Additional noninterest income $2,394
Total noninterest expense $9,224
Salaries and employee benefits $5,410
Premises and equipment expense $1,107
Additional noninterest expense $2,707
Pre-tax net operating income $4,013
Securities gains (losses) $0
Applicable income taxes $271
Income before extraordinary items $3,742
Extraordinary gains - net $0
Net income attributable to bank $3,742
Net charge-offs $0
Cash dividends $3,742
Sale, conversion, retirement of capital stock, net $298
Net operating income $2,604
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.64%
Cost of funding earning assets 0.96%
Net interest margin 2.68%
Noninterest income to earning assets 1.33%
Noninterest expense to earning assets 2.73%
Net operating income to assets 1.05%
Return on assets (ROA) 1.05%
Pretax return on assets 1.13%
Return on equity (ROE) 13.81%
Retained earnings to average equity (YTD only) 4.20%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 98.99%
Efficiency ratio14.46%
Assets per employee$68,164
Cash dividends to net income (YTD only)4.13%
Condition Ratios (%)
Loss allowance to loans 69.59%
Loss allowance to noncurrent loans 0.86%
Noncurrent assets plus other real estate owned to assets 604.66%
Noncurrent loans to loans 0.06%
Net loans and leases to deposits0.14%
Net loans and leases to core deposits 48.39%
Equity capital to assets 50.66%
Core capital (leverage) ratio 7.44%
Tier 1 risk-based capital ratio 7.95%
Total risk-based capital ratio 20.64%
Average assets$22
Average earning assets$356,424
Average equity $27,088
Average loans $337,329
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8 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05367Bank Of Putnam County140 South Jefferson Street, Cookeville, TN 38501November 01, 1901Full Service Brick and Mortar
1218463South Willow Branch237 South Willow Avenue, Cookeville, TN 38501December 23, 1975Full Service Brick and Mortar
213648Monterey Branch100 Commercial Avenue, Monterey, TN 38574October 04, 1968Full Service Brick and Mortar
4218465Baxter Branch143 Main Street, Baxter, TN 38544August 31, 1988Full Service Brick and Mortar
5218466Bank Of White County Bank Branch508 West Bockman Way, Sparta, TN 38583September 11, 1989Full Service Brick and Mortar
6218467Tenth Street1108 East 10th Street, Cookeville, TN 38502November 22, 1994Full Service Brick and Mortar
7360804Bank Of Overton County Bank Branch1477 West Main Street, Livingston, TN 38570October 10, 2000Full Service Brick and Mortar
8419152Putnam County Lpo/Dpo114 South Willow Avenue, Cookeville, TN 38501June 09, 2003Limited Service Loan Production
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