First Commerce Bank in Lewisburg, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Commerce Bank - Overview

  • General
  • FDIC Certificate #: 57465
    Status: Active
    Federal Reserve ID: 3153297
    Bank Holding Company (Regulatory Top Holder): First Commerce Bancorp, Inc. (RSSDID: 3465909, Location: Lewisburg, TN)
    Date Established: December 02, 2002
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 363918
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 02, 2002
    Last Structure Change Effective Date: January 11, 2007
    Last Structure Change Process Date: January 18, 2007
    Last Data Update: January 18, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 North Ellington Parkway, Lewisburg, TN 37091
    County: Marshall
    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
    Core Based Statistical Area (CBSA): Lewisburg, TN (#30280)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $246.1 mil
    Equity capital: $23.8 mil
    Deposits held in domestic offices: $214.9 mil
    Return on assets (ROA): 0.99% ($2.4 mil)
    Quarterly return on assets: 0.99% ($2.4 mil)
    Return on Equity (ROE): 10.62% ($2.5 mil)
    Quarterly return on equity: 10.15% ($2.4 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.37% ($3,371.5 mil)
    Quarterly Pretax return on assets: 1.39% ($3,420.7 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
  • 49Total employees (full-time equivalent)
  • $246,093Total assets
  • $15,774Cash and due from depository institutions
  • $10,914Interest-bearing balances
  • $54,680Securities
  • $4,945Federal funds sold & reverse repurchase agreements
  • $154,154Net loans & leases
  • $2,066Loan loss allowance
  • $0Trading account assets
  • $5,072Bank premises and fixed assets
  • $1,005Other real estate owned
  • $0Goodwill and other intangibles
  • $246,093Life insurance assets
  • $10,463All other assets
  • $222,259Total liabilities and capital
  • $214,944Total liabilities
  • $178,548Total deposits
  • $214,944Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $2,315Subordinated debt
  • $23,834All other liabilities
  • $23,834Total equity capital
  • $23,834Total bank equity capital
  • $0Perpetual preferred stock
  • $1,274Common stock
  • $14,608Surplus
  • $7,952Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $107Income earned, not collected on loans
  • $0Earning assets
  • $1,120Long-term assets (5+ years)
  • $224,693Average Assets, year-to-date
  • $69,684Average Assets, quarterly
  • $242,976Volatile liabilities
  • $244,910Insider loans
  • $165,630FHLB advances
  • $245,050Loans and leases held for sale
  • $7,431Unused loan commitments
  • $7,431Tier 1 (core) risk-based capital
  • $22,358Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,672Restructured Loans and leases
  • $6,724Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,425Total interest income
  • $2,513Total interest expense
  • $8,912Net interest income
  • $776Provision for loan and lease losses
  • $1,086Total noninterest income
  • $8Fiduciary activities
  • $296Service charges on deposit accounts
  • $0Trading account gains & fees
  • $782Additional noninterest income
  • $5,893Total noninterest expense
  • $3,301Salaries and employee benefits
  • $711Premises and equipment expense
  • $1,881Additional noninterest expense
  • $3,329Pre-tax net operating income
  • $0Securities gains (losses)
  • $918Applicable income taxes
  • $2,411Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,411Net income attributable to bank
  • $0Net charge-offs
  • $2,411Cash dividends
  • $855Sale, conversion, retirement of capital stock, net
  • $1,023Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 10.62%Return on equity (ROE)
  • 6.11%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 90.76%Credit loss provision to net charge-offs
  • 4.80%Efficiency ratio
  • 58,942Assets per employee
  • 5.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.43%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 1930.84%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 71.72%Net loans and leases to core deposits
  • 85.27%Equity capital to assets
  • 9.68%Core capital (leverage) ratio
  • 9.12%Tier 1 risk-based capital ratio
  • 13.50%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $242,976Average earning assets
  • $22,699Average equity
  • $222,866Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,016Managed Assets
  • 1Number of Accounts
  • $2,016Personal trust and agency accounts
  • $2,016Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363918First Commerce Bank500 North Ellington Parkway, Lewisburg, TN 37091December 02, 2002Full Service Brick and Mortar
    1423122Lewisburg Branch701 Cornersville Road, Lewisburg, TN 37091November 03, 2003Full Service Brick and Mortar
    2444329Chapel Hill Branch4650 Nashville Highway, Chapel Hill, TN 37034September 06, 2005Full Service Brick and Mortar
    3490142First Commerce Bank Fayetteville Bra304 West College Street, Fayetteville, TN 37334May 04, 2009Full Service Brick and Mortar

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