Carroll Bank and Trust in Huntingdon, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Carroll Bank and Trust in Huntingdon, Tennessee (TN)
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Carroll Bank and Trust - Overview

  • General
  • FDIC Certificate #: 2380
    Status: Active
    Federal Reserve ID: 541857
    Bank Holding Company (Regulatory Top Holder): Carroll Financial Services, Inc. (RSSDID: 1848825, Location: Huntingdon, TN)
    Date Established: September 09, 1907
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 10331
    FDIC's unique #: 1567
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 01, 2008
    Last Structure Change Process Date: December 04, 2008
    Last Data Update: December 04, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 19510 West Main Street, Huntingdon, TN 38344
    County: Carroll
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $265.0 mil
    Equity capital: $27.4 mil
    Deposits held in domestic offices: $235.7 mil
    Return on assets (ROA): 0.74% ($2.0 mil)
    Quarterly return on assets: 0.71% ($1.9 mil)
    Return on Equity (ROE): 7.55% ($2.0 mil)
    Quarterly return on equity: 6.74% ($1.8 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.12% ($2,968.5 mil)
    Quarterly Pretax return on assets: 1.06% ($2,809.5 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
  • 82Total employees (full-time equivalent)
  • $265,049Total assets
  • $13,244Cash and due from depository institutions
  • $1,831Interest-bearing balances
  • $59,964Securities
  • $11,661Federal funds sold & reverse repurchase agreements
  • $158,563Net loans & leases
  • $1,201Loan loss allowance
  • $0Trading account assets
  • $11,164Bank premises and fixed assets
  • $1,655Other real estate owned
  • $1,237Goodwill and other intangibles
  • $265,049Life insurance assets
  • $7,561All other assets
  • $237,620Total liabilities and capital
  • $235,666Total liabilities
  • $205,923Total deposits
  • $235,666Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $798Trading liabilities
  • $0Other borrowed funds
  • $1,156Subordinated debt
  • $27,429All other liabilities
  • $27,429Total equity capital
  • $27,429Total bank equity capital
  • $0Perpetual preferred stock
  • $2,400Common stock
  • $10,021Surplus
  • $15,008Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,767Income earned, not collected on loans
  • $0Earning assets
  • $1,762Long-term assets (5+ years)
  • $232,019Average Assets, year-to-date
  • $96,020Average Assets, quarterly
  • $252,928Volatile liabilities
  • $258,959Insider loans
  • $167,417FHLB advances
  • $259,681Loans and leases held for sale
  • $3,504Unused loan commitments
  • $2,312Tier 1 (core) risk-based capital
  • $25,159Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,192Total unused commitments
  • $11,344Restructured Loans and leases
  • $58Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,300Total interest income
  • $2,253Total interest expense
  • $10,047Net interest income
  • $738Provision for loan and lease losses
  • $1,729Total noninterest income
  • $34Fiduciary activities
  • $849Service charges on deposit accounts
  • $0Trading account gains & fees
  • $846Additional noninterest income
  • $8,311Total noninterest expense
  • $4,857Salaries and employee benefits
  • $1,605Premises and equipment expense
  • $1,849Additional noninterest expense
  • $2,727Pre-tax net operating income
  • $106Securities gains (losses)
  • $965Applicable income taxes
  • $1,868Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,868Net income attributable to bank
  • $0Net charge-offs
  • $1,868Cash dividends
  • $786Sale, conversion, retirement of capital stock, net
  • $591Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 7.55%Return on equity (ROE)
  • 5.16%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 93.89%Credit loss provision to net charge-offs
  • 4.41%Efficiency ratio
  • 69,922Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.64%Loss allowance to loans
  • 0.75%Loss allowance to noncurrent loans
  • 67.97%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 67.28%Net loans and leases to core deposits
  • 73.99%Equity capital to assets
  • 10.35%Core capital (leverage) ratio
  • 9.69%Tier 1 risk-based capital ratio
  • 15.03%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $252,928Average earning assets
  • $24,742Average equity
  • $220,399Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $19,901Managed Assets
  • 1Number of Accounts
  • $11,680Personal trust and agency accounts
  • $11,501Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $179Non-managed Assets
  • 214Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,221Other retirement accounts
  • $815Corporate trust and agency accounts
  • $3,148Other fiduciary accounts
  • $4,258Fiduciary accounts held in foreign offices

List of branches

  • 7 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01567Carroll Bank And Trust19510 West Main Street, Huntingdon, TN 38344September 09, 1907Full Service Brick and Mortar
    2192580Mckenzie Branch14950 S Highland, Mckenzie, TN 38201November 04, 1974Full Service Brick and Mortar
    3192581Huntingdon Branch20515 East Main, Huntingdon, TN 38344July 16, 1990Limited Service Facility
    5457570Mclemoresville Branch5626 Main Street, Mc Lemoresville, TN 38235May 08, 2006Full Service Brick and Mortar
    7470517Camden Branch102 Highway 641 North, Camden, TN 38320January 07, 2008Full Service Brick and Mortar
    8474305Milan Branch4105 South First Street, Milan, TN 38358May 05, 2008Full Service Brick and Mortar
    91568Carroll Bank And Trust Branch133 East Main Street, Bradford, TN 38316January 01, 1903Full Service Brick and Mortar

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