First City Bank in Murfreesboro, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 11, 1996

  • First City Bank in Murfreesboro, Tennessee (TN)
  • Show street view No street view available for this location

First City Bank - Overview

  • General
  • FDIC Certificate #: 26501
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First American National Bank (#4956)
    Federal Reserve ID: 111531
    Date Established: January 06, 1986
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 8955
    FDIC's unique #: 33177
    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 06, 1986
    Last Structure Change Effective Date: March 11, 1996
    Last Structure Change Process Date: March 22, 1996
    Last Data Update: March 22, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 South Church Street, Murfreesboro, TN 37133
    County: Rutherford
    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
    Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
    Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
    Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
    CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
  • Financial Summary
  • Total assets: $249.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $134Total assets
  • $249,493Cash and due from depository institutions
  • $11,085Interest-bearing balances
  • $101Securities
  • $95,343Federal funds sold & reverse repurchase agreements
  • $11,900Net loans & leases
  • $120,284Loan loss allowance
  • $1,380Trading account assets
  • $0Bank premises and fixed assets
  • $7,120Other real estate owned
  • $270Goodwill and other intangibles
  • $3,486Life insurance assets
  • $5All other assets
  • $0Total liabilities and capital
  • $249,493Total liabilities
  • $233,034Total deposits
  • $215,801Interest-bearing deposits
  • $193,733Deposits held in domestic offices
  • 215801.00%% insured (estimated)
  • $80Federal funds purchased & repurchase agreements
  • $13,025Trading liabilities
  • $0Other borrowed funds
  • $1,587Subordinated debt
  • $0All other liabilities
  • $2,621Total equity capital
  • $2,621Total bank equity capital
  • $16,459Perpetual preferred stock
  • $0Common stock
  • $622Surplus
  • $13,042Undivided profits
  • Memoranda
  • $2,795Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $226Income earned, not collected on loans
  • $714Earning assets
  • $227,628Long-term assets (5+ years)
  • $16,735Average Assets, year-to-date
  • $236,698Average Assets, quarterly
  • $243,673Volatile liabilities
  • $55,172Insider loans
  • $2,706FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $8,368Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,028Total risk weighted assets
  • $128,528Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $18,175Total interest expense
  • $9,831Net interest income
  • $8,344Provision for loan and lease losses
  • $319Total noninterest income
  • $2,711Fiduciary activities
  • $5Service charges on deposit accounts
  • $1,098Trading account gains & fees
  • $0Additional noninterest income
  • $1,608Total noninterest expense
  • $8,325Salaries and employee benefits
  • $4,048Premises and equipment expense
  • $1,043Additional noninterest expense
  • $3,234Pre-tax net operating income
  • $2,411Securities gains (losses)
  • -$344Applicable income taxes
  • $707Income before extraordinary items
  • $1,360Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,360Net charge-offs
  • $322Cash dividends
  • $1,073Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.34%Cost of funding earning assets
  • 4.51%Net interest margin
  • 3.83%Noninterest income to earning assets
  • 1.24%Noninterest expense to earning assets
  • 3.82%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 0.87%Return on equity (ROE)
  • 8.67%Retained earnings to average equity (YTD only)
  • 1.83%Net charge-offs to loans
  • 0.28%Credit loss provision to net charge-offs
  • 99.07%Efficiency ratio
  • 75,296Assets per employee
  • 1.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.90%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 610.62%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 55.74%Net loans and leases to core deposits
  • 69.25%Equity capital to assets
  • 6.60%Core capital (leverage) ratio
  • 7.09%Tier 1 risk-based capital ratio
  • 13.25%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $236,698Average earning assets
  • $15,682Average equity
  • $217,882Average loans

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