Decatur County Bank in Decaturville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Decatur County Bank in Decaturville, Tennessee (TN)
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Decatur County Bank - Overview

  • General
  • FDIC Certificate #: 6101
    Status: Active
    Federal Reserve ID: 66154
    Bank Holding Company (Regulatory Top Holder): Decatur Bancshares, Inc (RSSDID: 2201883, Location: Decaturville, TN)
    Date Established: November 16, 1899
    WWW: http://www.decaturcountybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14562
    FDIC's unique #: 4123
    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: 56 N. Pleasant St., Decaturville, TN 38329
    County: Decatur
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $90.2 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $77.5 mil
    Return on assets (ROA): -1.77% (-$1.6 mil)
    Quarterly return on assets: -8.04% (-$7.2 mil)
    Return on Equity (ROE): -23.47% (-$1.4 mil)
    Quarterly return on equity: -104.26% (-$6.3 mil)
    Net income: -$1.6 mil
    Quarterly Net income: -$1.8 mil
    Pretax return on assets: -1.54% (-$1,389.3 mil)
    Quarterly Pretax return on assets: -7.14% (-$6,441.1 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
  • 30Total employees (full-time equivalent)
  • $90,212Total assets
  • $7,730Cash and due from depository institutions
  • $914Interest-bearing balances
  • $22,432Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $53,008Net loans & leases
  • $692Loan loss allowance
  • $0Trading account assets
  • $2,657Bank premises and fixed assets
  • $130Other real estate owned
  • $0Goodwill and other intangibles
  • $90,212Life insurance assets
  • $4,255All other assets
  • $84,178Total liabilities and capital
  • $77,518Total liabilities
  • $65,657Total deposits
  • $77,518Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,517Trading liabilities
  • $0Other borrowed funds
  • $2,143Subordinated debt
  • $6,034All other liabilities
  • $6,034Total equity capital
  • $6,034Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,000Surplus
  • $4,734Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $224Income earned, not collected on loans
  • $0Earning assets
  • $760Long-term assets (5+ years)
  • $76,354Average Assets, year-to-date
  • $24,318Average Assets, quarterly
  • $88,449Volatile liabilities
  • $90,925Insider loans
  • $59,463FHLB advances
  • $90,010Loans and leases held for sale
  • $2,218Unused loan commitments
  • $2,218Tier 1 (core) risk-based capital
  • $6,621Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,013Restructured Loans and leases
  • $1,154Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,617Total interest income
  • $1,566Total interest expense
  • $3,051Net interest income
  • $1,730Provision for loan and lease losses
  • $715Total noninterest income
  • $0Fiduciary activities
  • $428Service charges on deposit accounts
  • $0Trading account gains & fees
  • $287Additional noninterest income
  • $4,069Total noninterest expense
  • $1,959Salaries and employee benefits
  • $412Premises and equipment expense
  • $1,698Additional noninterest expense
  • -$2,033Pre-tax net operating income
  • $668Securities gains (losses)
  • $203Applicable income taxes
  • -$1,568Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,568Net income attributable to bank
  • $0Net charge-offs
  • -$1,568Cash dividends
  • $1,742Sale, conversion, retirement of capital stock, net
  • $24Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.04%Yield on earning assets
  • 2.05%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 5.32%Noninterest expense to earning assets
  • -2.53%Net operating income to assets
  • -1.77%Return on assets (ROA)
  • -1.54%Pretax return on assets
  • -23.47%Return on equity (ROE)
  • -23.82%Retained earnings to average equity (YTD only)
  • 3.25%Net charge-offs to loans
  • 99.31%Credit loss provision to net charge-offs
  • -0.17%Efficiency ratio
  • 108,046Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -1.53%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 308.93%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 68.38%Net loans and leases to core deposits
  • 70.84%Equity capital to assets
  • 6.69%Core capital (leverage) ratio
  • 7.36%Tier 1 risk-based capital ratio
  • 11.13%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $88,449Average earning assets
  • $6,682Average equity
  • $76,443Average loans

List of branches

  • 3 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04123Decatur County Bank56 N. Pleasant St., Decaturville, TN 38329November 16, 1899Full Service Brick and Mortar
    1208733Parsons Branch300 South Tennessee Avenue, Parsons, TN 38363October 15, 1979Full Service Brick and Mortar
    2511145West Tennessee Bank, A Division Of Decatur County Bank1007 U. S. Highway 45 North, Henderson, TN 38340July 19, 2010Full Service Brick and Mortar

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