First Fidelity Savings Bank, F.S.B. in Crossville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1994

  • First Fidelity Savings Bank, F.S.B. in Crossville, Tennessee (TN)
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First Fidelity Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 31903
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First American National Bank (#4956)
    Federal Reserve ID: 665977
    Date Established: September 14, 1977
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7587
    FDIC's unique #: 44737
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: September 14, 1977
    Last Structure Change Effective Date: April 01, 1994
    Last Structure Change Process Date: April 14, 1994
    Last Data Update: April 25, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: North Main Street & Genesis Road, Crossville, TN 38555
    County: Cumberland
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Crossville, TN (#18900)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $48.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $27Total assets
  • $48,521Cash and due from depository institutions
  • $1,360Interest-bearing balances
  • $500Securities
  • $9,993Federal funds sold & reverse repurchase agreements
  • $500Net loans & leases
  • $34,788Loan loss allowance
  • $304Trading account assets
  • $0Bank premises and fixed assets
  • $955Other real estate owned
  • $124Goodwill and other intangibles
  • $801Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $48,521Total liabilities
  • $44,898Total deposits
  • $44,584Interest-bearing deposits
  • $43,248Deposits held in domestic offices
  • 44584.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $314Total equity capital
  • $314Total bank equity capital
  • $3,623Perpetual preferred stock
  • $0Common stock
  • $800Surplus
  • $200Undivided profits
  • Memoranda
  • $2,623Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $79Income earned, not collected on loans
  • $206Earning assets
  • $45,781Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $47,653Average Assets, quarterly
  • $48,459Volatile liabilities
  • $7,905Insider loans
  • $460FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,175Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,623Total risk weighted assets
  • $25,446Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,558Total interest expense
  • $1,567Net interest income
  • $1,991Provision for loan and lease losses
  • $55Total noninterest income
  • $539Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $539Total noninterest expense
  • $1,513Salaries and employee benefits
  • $862Premises and equipment expense
  • $234Additional noninterest expense
  • $417Pre-tax net operating income
  • $962Securities gains (losses)
  • $0Applicable income taxes
  • $332Income before extraordinary items
  • $630Extraordinary gains - net
  • $0Net income attributable to bank
  • $630Net charge-offs
  • $37Cash dividends
  • $250Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.90%Cost of funding earning assets
  • 3.48%Net interest margin
  • 4.42%Noninterest income to earning assets
  • 1.20%Noninterest expense to earning assets
  • 3.36%Net operating income to assets
  • 1.32%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 2.02%Return on equity (ROE)
  • 18.79%Retained earnings to average equity (YTD only)
  • 11.34%Net charge-offs to loans
  • 0.11%Credit loss provision to net charge-offs
  • 148.65%Efficiency ratio
  • 59,802Assets per employee
  • 1.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.68%Loss allowance to loans
  • 0.87%Loss allowance to noncurrent loans
  • 384.81%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 78.03%Net loans and leases to core deposits
  • 94.84%Equity capital to assets
  • 7.47%Core capital (leverage) ratio
  • 7.47%Tier 1 risk-based capital ratio
  • 14.24%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $47,653Average earning assets
  • $3,352Average equity
  • $45,057Average loans

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