Cheatham State Bank in Kingston Springs, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1998

  • Cheatham State Bank in Kingston Springs, Tennessee (TN)
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Cheatham State Bank - Overview

  • General
  • FDIC Certificate #: 8431
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First American National Bank (#4956)
    Federal Reserve ID: 423234
    Date Established: January 01, 1910
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 13942
    FDIC's unique #: 5366
    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: October 01, 1998
    Last Structure Change Process Date: November 03, 1998
    Last Data Update: November 03, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 West Kingston Springs Road, Kingston Springs, TN 37082
    County: Cheatham
    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
    Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
    Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
    Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
    CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
  • Financial Summary
  • Total assets: $148.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 58Total employees (full-time equivalent)
  • $134,489Total assets
  • $4,170Cash and due from depository institutions
  • $0Interest-bearing balances
  • $48,753Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,183Net loans & leases
  • $958Loan loss allowance
  • $0Trading account assets
  • $3,406Bank premises and fixed assets
  • $70Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,907All other assets
  • $134,489Total liabilities and capital
  • $124,529Total liabilities
  • $123,006Total deposits
  • $107,297Interest-bearing deposits
  • $123,006Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $375Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,148All other liabilities
  • $9,960Total equity capital
  • $9,960Total bank equity capital
  • $9,960Perpetual preferred stock
  • $0Common stock
  • $178Surplus
  • $1,907Undivided profits
  • Memoranda
  • $7,875Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $179Earning assets
  • $0Long-term assets (5+ years)
  • $718Average Assets, year-to-date
  • $124,936Average Assets, quarterly
  • $26,399Volatile liabilities
  • $125,927Insider loans
  • $132,784FHLB advances
  • $27,816Loans and leases held for sale
  • $1,237Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $15,202Total unused commitments
  • $0Restructured Loans and leases
  • $85,958Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $10,546Total interest income
  • $4,962Total interest expense
  • $5,584Net interest income
  • $232Provision for loan and lease losses
  • $1,543Total noninterest income
  • $0Fiduciary activities
  • $595Service charges on deposit accounts
  • $0Trading account gains & fees
  • $948Additional noninterest income
  • $4,339Total noninterest expense
  • $2,281Salaries and employee benefits
  • $619Premises and equipment expense
  • $1,439Additional noninterest expense
  • $2,556Pre-tax net operating income
  • $6Securities gains (losses)
  • $827Applicable income taxes
  • $1,735Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,735Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $156Sale, conversion, retirement of capital stock, net
  • $356Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.04%Yield on earning assets
  • 4.25%Cost of funding earning assets
  • 4.78%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 2.03%Pretax return on assets
  • 19.15%Return on equity (ROE)
  • 15.22%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 148.72%Credit loss provision to net charge-offs
  • 17.87%Efficiency ratio
  • 60,881Assets per employee
  • 2.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.52%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 535.20%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 61.93%Net loans and leases to core deposits
  • 79.72%Equity capital to assets
  • 7.41%Core capital (leverage) ratio
  • 7.09%Tier 1 risk-based capital ratio
  • 11.09%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $125,927Average earning assets
  • $9,061Average equity
  • $116,715Average loans

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