Franklin County Bank in Winchester, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 15, 1994

  • Franklin County Bank in Winchester, Tennessee (TN)
  • Show street view No street view available for this location

Franklin County Bank - Overview

  • General
  • FDIC Certificate #: 9183
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Regions Bank of Tennessee (#33764)
    Federal Reserve ID: 821830
    Date Established: January 01, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 9953
    FDIC's unique #: 5878
    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 01, 1934
    Last Structure Change Effective Date: July 15, 1994
    Last Structure Change Process Date: August 15, 1994
    Last Data Update: August 15, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 121 South College Street, Winchester, TN 37398
    County: Franklin
    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): Tullahoma, TN (#46100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $72.4 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $43Total assets
  • $69,127Cash and due from depository institutions
  • $2,855Interest-bearing balances
  • $100Securities
  • $24,485Federal funds sold & reverse repurchase agreements
  • $1,660Net loans & leases
  • $37,947Loan loss allowance
  • $330Trading account assets
  • $0Bank premises and fixed assets
  • $1,304Other real estate owned
  • $0Goodwill and other intangibles
  • $876Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $69,127Total liabilities
  • $63,650Total deposits
  • $61,152Interest-bearing deposits
  • $48,258Deposits held in domestic offices
  • 61152.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,886Subordinated debt
  • $0All other liabilities
  • $612Total equity capital
  • $612Total bank equity capital
  • $5,477Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $200Undivided profits
  • Memoranda
  • $5,077Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $56Income earned, not collected on loans
  • $320Earning assets
  • $64,192Long-term assets (5+ years)
  • $12,287Average Assets, year-to-date
  • $68,136Average Assets, quarterly
  • $70,574Volatile liabilities
  • $7,446Insider loans
  • $816FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,035Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,477Total risk weighted assets
  • $41,751Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,635Total interest expense
  • $1,865Net interest income
  • $2,770Provision for loan and lease losses
  • $2Total noninterest income
  • $454Fiduciary activities
  • $0Service charges on deposit accounts
  • $334Trading account gains & fees
  • $0Additional noninterest income
  • $120Total noninterest expense
  • $2,481Salaries and employee benefits
  • $1,049Premises and equipment expense
  • $507Additional noninterest expense
  • $925Pre-tax net operating income
  • $741Securities gains (losses)
  • $6Applicable income taxes
  • $270Income before extraordinary items
  • $477Extraordinary gains - net
  • $0Net income attributable to bank
  • $477Net charge-offs
  • $0Cash dividends
  • $0Sale, 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
  • 7.45%Cost of funding earning assets
  • 3.00%Net interest margin
  • 4.45%Noninterest income to earning assets
  • 0.73%Noninterest expense to earning assets
  • 3.99%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 1.10%Return on equity (ROE)
  • 9.11%Retained earnings to average equity (YTD only)
  • 9.11%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 76,954Assets per employee
  • 1.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 589.29%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 62.05%Net loans and leases to core deposits
  • 68.26%Equity capital to assets
  • 7.92%Core capital (leverage) ratio
  • 7.89%Tier 1 risk-based capital ratio
  • 13.12%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $68,136Average earning assets
  • $5,234Average equity
  • $62,187Average loans

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