First Federal Bank in Dickson, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Bank in Dickson, Tennessee (TN)
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First Federal Bank - Overview

  • General
  • FDIC Certificate #: 29782
    Status: Active
    Federal Reserve ID: 220974
    Date Established: October 16, 1936
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 4081
    FDIC's unique #: 42616
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 16, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 611 East College St, Dickson, TN 37055
    County: Dickson
    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)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $446.5 mil
    Equity capital: $46.6 mil
    Deposits held in domestic offices: $373.3 mil
    Return on assets (ROA): 1.23% ($5.5 mil)
    Quarterly return on assets: 1.18% ($5.3 mil)
    Return on Equity (ROE): 13.29% ($6.2 mil)
    Quarterly return on equity: 11.66% ($5.5 mil)
    Net income: $5.6 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 1.30% ($5,804.0 mil)
    Quarterly Pretax return on assets: 1.18% ($5,268.3 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
  • 128Total employees (full-time equivalent)
  • $446,464Total assets
  • $18,390Cash and due from depository institutions
  • $14,150Interest-bearing balances
  • $162,130Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $226,727Net loans & leases
  • $5,538Loan loss allowance
  • $0Trading account assets
  • $10,102Bank premises and fixed assets
  • $8,794Other real estate owned
  • $3,803Goodwill and other intangibles
  • $446,464Life insurance assets
  • $16,518All other assets
  • $399,872Total liabilities and capital
  • $373,349Total liabilities
  • $330,977Total deposits
  • $373,349Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $24,558Trading liabilities
  • $0Other borrowed funds
  • $1,965Subordinated debt
  • $46,592All other liabilities
  • $46,592Total equity capital
  • $46,592Total bank equity capital
  • $0Perpetual preferred stock
  • $391Common stock
  • $15,025Surplus
  • $31,176Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,207Income earned, not collected on loans
  • $0Earning assets
  • $2,619Long-term assets (5+ years)
  • $403,007Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $452,683Volatile liabilities
  • $452,290Insider loans
  • $237,153FHLB advances
  • $439,193Loans and leases held for sale
  • $8,974Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $39,546Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,490Restructured Loans and leases
  • $4,861Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,405Total interest income
  • $4,252Total interest expense
  • $17,153Net interest income
  • $3,503Provision for loan and lease losses
  • $3,610Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,610Additional noninterest income
  • $11,714Total noninterest expense
  • $5,250Salaries and employee benefits
  • $2,289Premises and equipment expense
  • $4,175Additional noninterest expense
  • $5,546Pre-tax net operating income
  • $359Securities gains (losses)
  • $327Applicable income taxes
  • $5,578Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,578Net income attributable to bank
  • $0Net charge-offs
  • $5,578Cash dividends
  • $3,129Sale, conversion, retirement of capital stock, net
  • $3,080Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 4.21%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 13.29%Return on equity (ROE)
  • 5.95%Retained earnings to average equity (YTD only)
  • 1.28%Net charge-offs to loans
  • 111.95%Credit loss provision to net charge-offs
  • 2.89%Efficiency ratio
  • 55,218Assets per employee
  • 3.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.22%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 250.93%Noncurrent assets plus other real estate owned to assets
  • 2.46%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 60.73%Net loans and leases to core deposits
  • 65.18%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 9.00%Tier 1 risk-based capital ratio
  • 16.68%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $452,683Average earning assets
  • $41,956Average equity
  • $407,537Average loans

List of branches

  • 12 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042616First Federal Bank611 East College St, Dickson, TN 37055October 16, 1936Full Service Brick and Mortar
    1277159Centerville Branch1370 Highway 100, Centerville, TN 37033October 16, 1936Full Service Brick and Mortar
    100277160302 Fairview Blvd Branch302 Fairview Blvd, Fairview, TN 37062June 30, 1985Full Service Brick and Mortar
    101973Waverly Branch122 West Main Street, Waverly, TN 37185January 22, 1919Full Service Brick and Mortar
    102189554New Johnsonville Branch590 Broadway Ave, New Johnsonville, TN 37134August 19, 1966Full Service Brick and Mortar
    104427718Vanleer Branch4701 Hwy 49 W, Vanleer, TN 37181July 04, 2002Full Service Brick and Mortar
    105427719White Bluff Branch4363 Hwy 70 E, White Bluff, TN 37187August 07, 2003Full Service Brick and Mortar
    106251145Burns Branch2310 Highway 96, Burns, TN 37029March 02, 1982Full Service Brick and Mortar
    1076098Highway 46 South Branch601 Highway 46 South, Dickson, TN 37055January 01, 1906Full Service Brick and Mortar
    108220268Charlotte BranchTwo Court Square, Charlotte, TN 37036January 11, 1928Full Service Brick and Mortar
    1094640369597 Hwy 70 East9597 Hwy 70 East, Mc Ewen, TN 37101August 15, 2005Full Service Brick and Mortar
    110464473200 Henslee Drive Branch200 Henslee Drive, Dickson, TN 37055December 15, 2005Full Service Brick and Mortar

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