Commercial Bank & Trust Co. in Paris, Tennessee (TN), MS
Overview, Financial Summary, Detailed Financial Reports, Branches

Commercial Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 8660
    Status: Active
    Federal Reserve ID: 467658
    Bank Holding Company (Regulatory Top Holder): Commercial Holding Company (RSSDID: 1099382, Location: Paris, TN)
    Date Established: May 15, 1877
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: Yes)
    OTS Docket #: 11618
    FDIC's unique #: 5520
    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: January 01, 1934
    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: 101 North Poplar St., Paris, TN 38242
    County: Henry
    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): Paris, TN (#37540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $642.2 mil
    Equity capital: $66.3 mil
    Deposits held in domestic offices: $556.8 mil
    Return on assets (ROA): 1.44% ($9.2 mil)
    Quarterly return on assets: 1.46% ($9.4 mil)
    Return on Equity (ROE): 14.41% ($9.5 mil)
    Quarterly return on equity: 13.96% ($9.2 mil)
    Net income: $9.1 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 1.51% ($9,697.9 mil)
    Quarterly Pretax return on assets: 1.52% ($9,762.1 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
  • 169Total employees (full-time equivalent)
  • $642,242Total assets
  • $20,935Cash and due from depository institutions
  • $2,983Interest-bearing balances
  • $134,171Securities
  • $35,165Federal funds sold & reverse repurchase agreements
  • $420,925Net loans & leases
  • $7,902Loan loss allowance
  • $0Trading account assets
  • $6,756Bank premises and fixed assets
  • $873Other real estate owned
  • $4,141Goodwill and other intangibles
  • $642,242Life insurance assets
  • $19,276All other assets
  • $575,896Total liabilities and capital
  • $556,777Total liabilities
  • $453,204Total deposits
  • $556,777Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,307Trading liabilities
  • $2,000Other borrowed funds
  • $3,812Subordinated debt
  • $66,346All other liabilities
  • $66,346Total equity capital
  • $66,346Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $9,900Surplus
  • $55,446Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,160Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,142Income earned, not collected on loans
  • $0Earning assets
  • $2,534Long-term assets (5+ years)
  • $593,244Average Assets, year-to-date
  • $129,859Average Assets, quarterly
  • $628,353Volatile liabilities
  • $630,942Insider loans
  • $449,967FHLB advances
  • $628,812Loans and leases held for sale
  • $12,253Unused loan commitments
  • $4,238Tier 1 (core) risk-based capital
  • $59,671Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,015Total unused commitments
  • $112,062Restructured Loans and leases
  • $2,076Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,502Total interest income
  • $5,421Total interest expense
  • $22,081Net interest income
  • $1,600Provision for loan and lease losses
  • $6,861Total noninterest income
  • $445Fiduciary activities
  • $1,586Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,830Additional noninterest income
  • $18,278Total noninterest expense
  • $10,503Salaries and employee benefits
  • $2,053Premises and equipment expense
  • $5,722Additional noninterest expense
  • $9,064Pre-tax net operating income
  • $452Securities gains (losses)
  • $462Applicable income taxes
  • $9,054Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,054Net income attributable to bank
  • $0Net charge-offs
  • $9,054Cash dividends
  • $1,244Sale, conversion, retirement of capital stock, net
  • $5,285Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.78%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 14.41%Return on equity (ROE)
  • 6.00%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 128.62%Credit loss provision to net charge-offs
  • 8.57%Efficiency ratio
  • 63,154Assets per employee
  • 3.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.37%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 251.50%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 75.60%Net loans and leases to core deposits
  • 77.83%Equity capital to assets
  • 10.33%Core capital (leverage) ratio
  • 9.49%Tier 1 risk-based capital ratio
  • 13.26%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $628,353Average earning assets
  • $62,818Average equity
  • $584,017Average 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
  • $62,981Managed Assets
  • 1Number of Accounts
  • $43,611Personal trust and agency accounts
  • $43,603Employee 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
  • $8Non-managed Assets
  • 167Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $19,370Other retirement accounts
  • $334Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $405Fiduciary accounts held in foreign offices

List of branches

  • 1 Mississippi Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    11458279Commercial Bank And Trust Company5740 Getwell Road, Building 10, Suite C, Southaven, MS 38672January 02, 2007Limited Service Loan Production
  • 11 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05520Commercial Bank & Trust Co.101 North Poplar St., Paris, TN 38242May 15, 1877Full Service Brick and Mortar
    2218801Mineral Wells Avenue BranchMineral Wells Avenue, Paris, TN 38242March 23, 1965Full Service Brick and Mortar
    3218802East Wood Street Branch914 East Wood Street, Paris, TN 38242September 08, 1961Full Service Brick and Mortar
    5218804Memphis Branch2000 Union Avenue, Memphis, TN 38104June 30, 1987Full Service Brick and Mortar
    63324Union City Main Branch127 South First Street, Union City, TN 38261January 01, 1909Full Service Brick and Mortar
    7206208Reelfoot Avenue Branch709 East Reelfoot Avenue, Union City, TN 38261November 10, 1969Full Service Brick and Mortar
    8218805Morgan Keegan Branch50 North Front Street Suite 120, Memphis, TN 38103March 17, 1999Full Service Brick and Mortar
    9360452Mendenhall Branch510 S. Mendenhall, Memphis, TN 38137June 01, 2001Full Service Brick and Mortar
    10457606Commercial Bank & Trust Co.79a Stonebridge Boulevard, Jackson, TN 38305December 20, 2006Full Service Brick and Mortar
    12467327Commercial Bank & Trust Co. Branch3093 North Highland Avenue, Jackson, TN 38305August 20, 2007Full Service Brick and Mortar
    13476104Commercial Bank & Trust Co. Mobile B3093 North Highland Avenue, Jackson, TN 38305April 28, 2008Limited Service Mobile

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