DeKalb Community Bank in Smithville, Tennessee (TN)

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DeKalb Community Bank
GeneralFDIC 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
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)31
Total assets$109,754
Cash and due from depository institutions$2,095
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$6,409
Net loans & leases$81,603
Loan loss allowance $1,540
Trading account assets$0
Bank premises and fixed assets$2,215
Other real estate owned$517
Goodwill and other intangibles$0
All other assets$1,509
Life insurance assets$0
Total liabilities and capital$109,754
Total liabilities$102,046
Total deposits$99,765
Interest-bearing deposits$91,471
Deposits held in domestic offices$99,765
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $1,882
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $399
Total equity capital$7,708
Total bank equity capital$7,708
Perpetual preferred stock$7,708
Common stock$0
Undivided profits $371
Noncurrent loans and leases $3,571
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $6,979
Income earned, not collected on loans $0
Earning assets $1,227
Long-term assets (5+ years) $0
Average Assets, year-to-date $796
Average Assets, quarterly $103,418
Volatile liabilities $48,723
Insider loans $107,166
FHLB advances $109,055
Loans and leases held for sale $24,991
Unused loan commitments $764
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $6,979
Restructured Loans and leases $0
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Income and Expense (December 31, 2004)
(Dollar figures in thousands)
Total interest income $6,613
Total interest expense $2,340
Net interest income $4,273
Provision for loan and lease losses $1,683
Total noninterest income $870
Fiduciary activities $0
Service charges on deposit accounts $692
Trading account gains & fees $0
Additional noninterest income $178
Total noninterest expense $2,854
Salaries and employee benefits $1,186
Premises and equipment expense $370
Additional noninterest expense $1,298
Pre-tax net operating income $606
Securities gains (losses) $0
Applicable income taxes $205
Income before extraordinary items $401
Extraordinary gains - net $0
Net income attributable to bank $401
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $1,293
Net operating income $0
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Performance and Condition Ratios (December 31, 2004)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.55%
Cost of funding earning assets 2.32%
Net interest margin 4.23%
Noninterest income to earning assets 0.86%
Noninterest expense to earning assets 2.83%
Net operating income to assets 0.37%
Return on assets (ROA) 0.37%
Pretax return on assets 0.57%
Return on equity (ROE) 5.44%
Retained earnings to average equity (YTD only) 5.44%
Net charge-offs to loans 1.55%
Credit loss provision to net charge-offs 130.16%
Efficiency ratio1.77%
Assets per employee$55,493
Cash dividends to net income (YTD only)3.54%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.85%
Noncurrent assets plus other real estate owned to assets 125.51%
Noncurrent loans to loans 1.59%
Net loans and leases to deposits1.48%
Net loans and leases to core deposits 81.80%
Equity capital to assets 106.45%
Core capital (leverage) ratio 7.02%
Tier 1 risk-based capital ratio 7.15%
Total risk-based capital ratio 11.87%
Average assets$13
Average earning assets$107,166
Average equity $7,377
Average loans $101,007
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