First Cumberland Bank in city_name, state_name - Detailed Financial Reports, Location

First Cumberland Bank in Madison, Tennessee (TN)
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First Cumberland Bank - Overview

General
FDIC Certificate #: 27130
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank, National Association (#4979)
Federal Reserve ID: 1161926
Date Established: December 17, 1987
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 38843
Numeric code: 13
Regulator: FED
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: December 17, 1987
Last Structure Change Effective Date: March 15, 1993
Last Structure Change Process Date: March 31, 1993
Last Data Update: March 31, 1993
Data Source Date: April 05, 2012
Location
Address: 601 Gallatin Road North, Madison, TN 37115
County: Davidson
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: $21.9 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$21Total assets
$21,907Cash and due from depository institutions
$2,050Interest-bearing balances
$30Securities
$2,749Federal funds sold & reverse repurchase agreements
$300Net loans & leases
$15,429Loan loss allowance
$788Trading account assets
$0Bank premises and fixed assets
$983Other real estate owned
$143Goodwill and other intangibles
$253Life insurance assets
$0All other assets
$0Total liabilities and capital
$21,907Total liabilities
$21,295Total deposits
$21,021Interest-bearing deposits
$17,015Deposits held in domestic offices
21021.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$5Subordinated debt
$0All other liabilities
$269Total equity capital
$269Total bank equity capital
$612Perpetual preferred stock
$0Common stock
$3,000Surplus
$1,575Undivided profits
Memoranda
$-3,963Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$492Income earned, not collected on loans
$190Earning assets
$18,508Long-term assets (5+ years)
$704Average Assets, year-to-date
$27,872Average Assets, quarterly
$24,456Volatile liabilities
$2,949Insider loans
$11FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$491Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$612Total risk weighted assets
$17,943Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$2,262Total interest expense
$1,189Net interest income
$1,073Provision for loan and lease losses
$538Total noninterest income
$280Fiduciary activities
$0Service charges on deposit accounts
$143Trading account gains & fees
$0Additional noninterest income
$137Total noninterest expense
$1,543Salaries and employee benefits
$707Premises and equipment expense
$114Additional noninterest expense
$722Pre-tax net operating income
-$728Securities gains (losses)
$0Applicable income taxes
$0Income before extraordinary items
-$728Extraordinary gains - net
$0Net income attributable to bank
-$728Net charge-offs
$733Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.57%Cost of funding earning assets
5.03%Net interest margin
4.54%Noninterest income to earning assets
1.19%Noninterest expense to earning assets
6.53%Net operating income to assets
-2.61%Return on assets (ROA)
-2.61%Pretax return on assets
-2.61%Return on equity (ROE)
-79.44%Retained earnings to average equity (YTD only)
-79.44%Net charge-offs to loans
3.95%Credit loss provision to net charge-offs
73.40%Efficiency ratio
114,043Assets per employee
1.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.86%Loss allowance to noncurrent loans
160.16%Noncurrent assets plus other real estate owned to assets
2.90%Noncurrent loans to loans
3.03%Net loans and leases to deposits
73.40%Net loans and leases to core deposits
85.38%Equity capital to assets
2.79%Core capital (leverage) ratio
2.48%Tier 1 risk-based capital ratio
3.41%Total risk-based capital ratio
Memoranda
$5Average assets
$27,872Average earning assets
$916Average equity
$23,627Average loans

First Cumberland Bank in Madison, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Cumberland Bank - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

Comment about this bank, ask questions, or add new information about it:

First Cumberland Bank in Madison, Tennessee (TN)Overview, Financial Summary, Detailed Financial Reports, Branches

First Cumberland Bank - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

Comment about this bank, ask questions, or add new information about it:

First Cumberland Bank in Madison, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches