City State Bank in Clarksville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 27, 2003

  • City State Bank in Clarksville, Tennessee (TN)
  • Show street view No street view available for this location

City State Bank - Overview

  • General
  • FDIC Certificate #: 2402
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: Planters Bank, Inc. (#34254)
    Federal Reserve ID: 573054
    Date Established: January 01, 1890
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 11155
    FDIC's unique #: 1580
    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: January 27, 2003
    Last Structure Change Process Date: Febuary 27, 2003
    Last Data Update: Febuary 27, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 325 Commerce Street, Clarksville, TN 37040
    County: Montgomery
    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): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • History of Changes
  • Merger - Without Assistance
    Change in Location
  • Financial Summary
  • Total assets: $111.2 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, 2002)

  • Dollar figures in thousands
  • 39Total employees (full-time equivalent)
  • $111,217Total assets
  • $3,702Cash and due from depository institutions
  • $14Interest-bearing balances
  • $16,516Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,268Net loans & leases
  • $655Loan loss allowance
  • $0Trading account assets
  • $2,254Bank premises and fixed assets
  • $65Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $24,412All other assets
  • $111,217Total liabilities and capital
  • $100,754Total liabilities
  • $89,883Total deposits
  • $81,283Interest-bearing deposits
  • $89,883Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $633Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,251Other borrowed funds
  • $0Subordinated debt
  • $987All other liabilities
  • $10,463Total equity capital
  • $10,463Total bank equity capital
  • $10,463Perpetual preferred stock
  • $0Common stock
  • $360Surplus
  • $4,042Undivided profits
  • Memoranda
  • $6,061Noncurrent loans and leases
  • $20,281Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $370Earning assets
  • $267Long-term assets (5+ years)
  • $542Average Assets, year-to-date
  • $80,798Average Assets, quarterly
  • $15,558Volatile liabilities
  • $104,588Insider loans
  • $108,704FHLB advances
  • $17,064Loans and leases held for sale
  • $4,360Unused loan commitments
  • $9,251Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,281Total unused commitments
  • $0Restructured Loans and leases
  • $655Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $5,370Total interest income
  • $2,425Total interest expense
  • $2,945Net interest income
  • $313Provision for loan and lease losses
  • $1,949Total noninterest income
  • $0Fiduciary activities
  • $1,039Service charges on deposit accounts
  • $0Trading account gains & fees
  • $910Additional noninterest income
  • $3,134Total noninterest expense
  • $1,321Salaries and employee benefits
  • $408Premises and equipment expense
  • $1,405Additional noninterest expense
  • $1,447Pre-tax net operating income
  • $79Securities gains (losses)
  • $491Applicable income taxes
  • $1,035Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,035Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $201Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.95%Yield on earning assets
  • 3.14%Cost of funding earning assets
  • 3.81%Net interest margin
  • 2.52%Noninterest income to earning assets
  • 4.06%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 10.36%Return on equity (ROE)
  • 5.36%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 155.72%Credit loss provision to net charge-offs
  • 8.76%Efficiency ratio
  • 64,038Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.31%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 177.03%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 71.50%Net loans and leases to core deposits
  • 86.99%Equity capital to assets
  • 9.41%Core capital (leverage) ratio
  • 9.42%Tier 1 risk-based capital ratio
  • 10.28%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $104,588Average earning assets
  • $9,989Average equity
  • $77,218Average loans

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