DeKalb Community Bank in Smithville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2005

  • DeKalb Community Bank in Smithville, Tennessee (TN)
  • Show street view No street view available for this location

DeKalb Community Bank - Overview

  • General
  • FDIC Certificate #: 34163
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wilson Bank and Trust (#26962)
    Federal Reserve ID: 2385149
    Date Established: April 18, 1996
    WWW: http://www.dekalbcommunitybank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 56311
    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: April 18, 1996
    Last Structure Change Effective Date: April 01, 2005
    Last Structure Change Process Date: April 13, 2005
    Last Data Update: April 13, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 568 West Broad Street, Smithville, TN 37166
    County: Dekalb
    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
  • Financial Summary
  • Total assets: $112.3 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, 2004)

  • Dollar figures in thousands
  • 31Total employees (full-time equivalent)
  • $109,754Total assets
  • $2,095Cash and due from depository institutions
  • $0Interest-bearing balances
  • $15,406Securities
  • $6,409Federal funds sold & reverse repurchase agreements
  • $81,603Net loans & leases
  • $1,540Loan loss allowance
  • $0Trading account assets
  • $2,215Bank premises and fixed assets
  • $517Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,509All other assets
  • $109,754Total liabilities and capital
  • $102,046Total liabilities
  • $99,765Total deposits
  • $91,471Interest-bearing deposits
  • $99,765Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,882Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $399All other liabilities
  • $7,708Total equity capital
  • $7,708Total bank equity capital
  • $7,708Perpetual preferred stock
  • $0Common stock
  • $3,766Surplus
  • $371Undivided profits
  • Memoranda
  • $3,571Noncurrent loans and leases
  • $6,979Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,227Earning assets
  • $0Long-term assets (5+ years)
  • $796Average Assets, year-to-date
  • $103,418Average Assets, quarterly
  • $48,723Volatile liabilities
  • $107,166Insider loans
  • $109,055FHLB advances
  • $24,991Loans and leases held for sale
  • $764Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,979Total unused commitments
  • $0Restructured Loans and leases
  • $830Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $6,613Total interest income
  • $2,340Total interest expense
  • $4,273Net interest income
  • $1,683Provision for loan and lease losses
  • $870Total noninterest income
  • $0Fiduciary activities
  • $692Service charges on deposit accounts
  • $0Trading account gains & fees
  • $178Additional noninterest income
  • $2,854Total noninterest expense
  • $1,186Salaries and employee benefits
  • $370Premises and equipment expense
  • $1,298Additional noninterest expense
  • $606Pre-tax net operating income
  • $0Securities gains (losses)
  • $205Applicable income taxes
  • $401Income before extraordinary items
  • $0Extraordinary gains - net
  • $401Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,293Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.55%Yield on earning assets
  • 2.32%Cost of funding earning assets
  • 4.23%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 5.44%Return on equity (ROE)
  • 5.44%Retained earnings to average equity (YTD only)
  • 1.55%Net charge-offs to loans
  • 130.16%Credit loss provision to net charge-offs
  • 1.77%Efficiency ratio
  • 55,493Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 125.51%Noncurrent assets plus other real estate owned to assets
  • 1.59%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 81.80%Net loans and leases to core deposits
  • 106.45%Equity capital to assets
  • 7.02%Core capital (leverage) ratio
  • 7.15%Tier 1 risk-based capital ratio
  • 11.87%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $107,166Average earning assets
  • $7,377Average equity
  • $101,007Average loans

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