Coffee County Bank in Manchester, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Coffee County Bank - Overview

  • General
  • FDIC Certificate #: 22090
    Status: Active
    Federal Reserve ID: 211338
    Bank Holding Company (Regulatory Top Holder): Coffee County Bancshares, Inc. (RSSDID: 1083091, Location: Manchester, TN)
    Date Established: August 15, 1975
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15760
    FDIC's unique #: 15340
    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: Commercial Lending Specialization
    Date of Deposit Insurance: August 15, 1975
    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
  • Location
  • Address: 2070 Hillsboro Boulevard, Manchester, TN 37355
    County: Coffee
    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): Tullahoma, TN (#46100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $121.5 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $104.4 mil
    Return on assets (ROA): 0.88% ($1.1 mil)
    Quarterly return on assets: 1.02% ($1.2 mil)
    Return on Equity (ROE): 8.82% ($1.1 mil)
    Quarterly return on equity: 9.78% ($1.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.94% ($1,141.8 mil)
    Quarterly Pretax return on assets: 1.10% ($1,336.1 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
  • 38Total employees (full-time equivalent)
  • $121,463Total assets
  • $7,305Cash and due from depository institutions
  • $6,002Interest-bearing balances
  • $11,031Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $94,741Net loans & leases
  • $2,031Loan loss allowance
  • $0Trading account assets
  • $1,665Bank premises and fixed assets
  • $4,611Other real estate owned
  • $0Goodwill and other intangibles
  • $121,463Life insurance assets
  • $2,110All other assets
  • $108,532Total liabilities and capital
  • $104,434Total liabilities
  • $91,340Total deposits
  • $104,434Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,316Trading liabilities
  • $0Other borrowed funds
  • $782Subordinated debt
  • $12,931All other liabilities
  • $12,931Total equity capital
  • $12,931Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $321Surplus
  • $12,170Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,847Income earned, not collected on loans
  • $33Earning assets
  • $608Long-term assets (5+ years)
  • $111,774Average Assets, year-to-date
  • $18,884Average Assets, quarterly
  • $124,369Volatile liabilities
  • $122,573Insider loans
  • $88,720FHLB advances
  • $122,511Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,940Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,370Restructured Loans and leases
  • $1,979Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,201Total interest income
  • $1,802Total interest expense
  • $5,399Net interest income
  • $1,675Provision for loan and lease losses
  • $932Total noninterest income
  • $0Fiduciary activities
  • $483Service charges on deposit accounts
  • $0Trading account gains & fees
  • $449Additional noninterest income
  • $3,493Total noninterest expense
  • $1,652Salaries and employee benefits
  • $340Premises and equipment expense
  • $1,501Additional noninterest expense
  • $1,163Pre-tax net operating income
  • $11Securities gains (losses)
  • $79Applicable income taxes
  • $1,095Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,095Net income attributable to bank
  • $0Net charge-offs
  • $1,095Cash dividends
  • $1,677Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.26%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 4.69%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 8.82%Return on equity (ROE)
  • 8.82%Retained earnings to average equity (YTD only)
  • 1.72%Net charge-offs to loans
  • 99.88%Credit loss provision to net charge-offs
  • 1.69%Efficiency ratio
  • 55,173Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.10%Loss allowance to noncurrent loans
  • 29.66%Noncurrent assets plus other real estate owned to assets
  • 9.43%Noncurrent loans to loans
  • 7.08%Net loans and leases to deposits
  • 90.72%Net loans and leases to core deposits
  • 101.65%Equity capital to assets
  • 10.65%Core capital (leverage) ratio
  • 10.56%Tier 1 risk-based capital ratio
  • 14.59%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $124,369Average earning assets
  • $12,421Average equity
  • $115,031Average 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
  • $25Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee 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
  • $0Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $25Other retirement accounts
  • $25Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015340Coffee County Bank2070 Hillsboro Boulevard, Manchester, TN 37355August 15, 1975Full Service Brick and Mortar
    1432651Hillsboro Boulevard Branch301 Hillsboro Boulevard, Manchester, TN 37349August 15, 1975Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Coffee County Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents