DeKalb County Bank & Trust Company in Alexandria, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 1995

  • DeKalb County Bank & Trust Company in Alexandria, Tennessee (TN)
  • Show street view No street view available for this location

DeKalb County Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1478
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank of the Cumberlands (#1704)
    Federal Reserve ID: 181132
    Date Established: January 01, 1929
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 11674
    FDIC's unique #: 974
    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: June 01, 1995
    Last Structure Change Process Date: June 28, 1995
    Last Data Update: June 28, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Public Square, Alexandria, TN 37012
    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: $73.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $39Total assets
  • $73,740Cash and due from depository institutions
  • $3,392Interest-bearing balances
  • $0Securities
  • $25,292Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $41,771Loan loss allowance
  • $487Trading account assets
  • $0Bank premises and fixed assets
  • $1,062Other real estate owned
  • $107Goodwill and other intangibles
  • $1,243Life insurance assets
  • $873All other assets
  • $0Total liabilities and capital
  • $73,740Total liabilities
  • $68,148Total deposits
  • $64,857Interest-bearing deposits
  • $56,613Deposits held in domestic offices
  • 64857.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $2,000Subordinated debt
  • $0All other liabilities
  • $291Total equity capital
  • $291Total bank equity capital
  • $5,592Perpetual preferred stock
  • $0Common stock
  • $475Surplus
  • $2,598Undivided profits
  • Memoranda
  • $2,519Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $401Income earned, not collected on loans
  • $438Earning assets
  • $67,063Long-term assets (5+ years)
  • $6,839Average Assets, year-to-date
  • $75,666Average Assets, quarterly
  • $74,195Volatile liabilities
  • $7,906Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,624Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,027Total risk weighted assets
  • $38,963Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,261Total interest expense
  • $2,072Net interest income
  • $3,189Provision for loan and lease losses
  • $250Total noninterest income
  • $689Fiduciary activities
  • $0Service charges on deposit accounts
  • $522Trading account gains & fees
  • $0Additional noninterest income
  • $167Total noninterest expense
  • $2,298Salaries and employee benefits
  • $1,178Premises and equipment expense
  • $333Additional noninterest expense
  • $787Pre-tax net operating income
  • $1,330Securities gains (losses)
  • -$36Applicable income taxes
  • $432Income before extraordinary items
  • $862Extraordinary gains - net
  • $0Net income attributable to bank
  • $862Net charge-offs
  • $305Cash dividends
  • $748Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.55%Cost of funding earning assets
  • 2.97%Net interest margin
  • 4.58%Noninterest income to earning assets
  • 0.99%Noninterest expense to earning assets
  • 3.30%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 1.71%Return on equity (ROE)
  • 14.89%Retained earnings to average equity (YTD only)
  • 1.97%Net charge-offs to loans
  • 0.72%Credit loss provision to net charge-offs
  • 81.97%Efficiency ratio
  • 57,452Assets per employee
  • 1.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.77%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 121.45%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 64.40%Net loans and leases to core deposits
  • 69.68%Equity capital to assets
  • 7.58%Core capital (leverage) ratio
  • 6.86%Tier 1 risk-based capital ratio
  • 12.90%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $75,666Average earning assets
  • $5,791Average equity
  • $69,679Average loans

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