Bank of Trenton and Trust Company in Trenton, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 1995

Bank of Trenton and Trust Company in Trenton, Tennessee (TN)
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Bank of Trenton and Trust Company - Overview

General
FDIC Certificate #: 1476
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank of West Tennessee (#10309)
Federal Reserve ID: 438658
Date Established: January 01, 1903
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 10292
FDIC's unique #: 972
Numeric code: 21
Regulator: FDIC
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: March 01, 1995
Last Structure Change Process Date: March 08, 1995
Last Data Update: March 08, 1995
Data Source Date: April 05, 2012
Location
Address: 115 High Street, Trenton, TN 38382
County: Gibson
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Jackson-Humboldt, TN (#297)
Core Based Statistical Area (CBSA): Humboldt, TN (#26480)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $43.9 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$19Total assets
$43,934Cash and due from depository institutions
$3,000Interest-bearing balances
$596Securities
$16,373Federal funds sold & reverse repurchase agreements
$1,700Net loans & leases
$21,953Loan loss allowance
$379Trading account assets
$0Bank premises and fixed assets
$175Other real estate owned
$0Goodwill and other intangibles
$733Life insurance assets
$0All other assets
$0Total liabilities and capital
$43,934Total liabilities
$41,291Total deposits
$39,663Interest-bearing deposits
$35,283Deposits held in domestic offices
39663.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$297Trading liabilities
$0Other borrowed funds
$1,039Subordinated debt
$0All other liabilities
$292Total equity capital
$292Total bank equity capital
$2,643Perpetual preferred stock
$0Common stock
$100Surplus
$1,597Undivided profits
Memoranda
$946Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$27Income earned, not collected on loans
$200Earning assets
$40,622Long-term assets (5+ years)
$7,759Average Assets, year-to-date
$42,590Average Assets, quarterly
$43,241Volatile liabilities
$2,489Insider loans
$625FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,359Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,804Total risk weighted assets
$23,207Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,972Total interest expense
$1,210Net interest income
$1,762Provision for loan and lease losses
$0Total noninterest income
$254Fiduciary activities
$0Service charges on deposit accounts
$194Trading account gains & fees
$0Additional noninterest income
$60Total noninterest expense
$1,253Salaries and employee benefits
$595Premises and equipment expense
$198Additional noninterest expense
$460Pre-tax net operating income
$763Securities gains (losses)
-$72Applicable income taxes
$188Income before extraordinary items
$503Extraordinary gains - net
$0Net income attributable to bank
$503Net charge-offs
$8Cash dividends
$254Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.40%Cost of funding earning assets
3.01%Net interest margin
4.39%Noninterest income to earning assets
0.63%Noninterest expense to earning assets
3.12%Net operating income to assets
1.30%Return on assets (ROA)
1.18%Pretax return on assets
1.62%Return on equity (ROE)
19.10%Retained earnings to average equity (YTD only)
9.46%Net charge-offs to loans
0.04%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,153Assets per employee
2.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.50%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
1403.70%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.12%Net loans and leases to deposits
55.35%Net loans and leases to core deposits
58.59%Equity capital to assets
6.02%Core capital (leverage) ratio
6.51%Tier 1 risk-based capital ratio
12.08%Total risk-based capital ratio
Memoranda
$13Average assets
$42,590Average earning assets
$2,633Average equity
$40,151Average loans

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