FDIC Certificate #: 29186 Status: Active Federal Reserve ID: 834175 Date Established: October 01, 1934 WWW:http://www.lawrenceburgfederal.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 3067 FDIC's unique #: 42020 Numeric code: 38 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: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: June 05, 1935 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: 118 West Gaines Street, Lawrenceburg, TN 38464 County: Lawrence 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): Lawrenceburg, TN (#29980) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $48.6 mil Equity capital: $11.4 mil Deposits held in domestic offices: $36.2 mil Return on assets (ROA): 1.06% ($0.5 mil) Quarterly return on assets: 1.17% ($0.6 mil) Return on Equity (ROE): 4.54% ($0.5 mil) Quarterly return on equity: 5.00% ($0.6 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.70% ($826.6 mil) Quarterly Pretax return on assets: 1.82% ($885.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$48,625Total assets
$5,217Cash and due from depository institutions
$4,974Interest-bearing balances
$9Securities
$0Federal funds sold & reverse repurchase agreements
$40,532Net loans & leases
$159Loan loss allowance
$0Trading account assets
$428Bank premises and fixed assets
$394Other real estate owned
$0Goodwill and other intangibles
$48,625Life insurance assets
$2,045All other assets
$37,203Total liabilities and capital
$36,181Total liabilities
$36,074Total deposits
$36,181Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,022Subordinated debt
$11,422All other liabilities
$11,422Total equity capital
$11,422Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$11,422Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$533Income earned, not collected on loans
$0Earning assets
$211Long-term assets (5+ years)
$45,515Average Assets, year-to-date
$0Average Assets, quarterly
$47,921Volatile liabilities
$48,734Insider loans
$24,664FHLB advances
$48,625Loans and leases held for sale
$959Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,422Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$343Restructured Loans and leases
$183Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,547Total interest income
$361Total interest expense
$2,186Net interest income
$37Provision for loan and lease losses
$95Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
$25Additional noninterest income
$1,429Total noninterest expense
$992Salaries and employee benefits
$231Premises and equipment expense
$206Additional noninterest expense
$815Pre-tax net operating income
$0Securities gains (losses)
$309Applicable income taxes
$506Income before extraordinary items
$0Extraordinary gains - net
$506Net income attributable to bank
$0Net charge-offs
$506Cash dividends
$54Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.70%Yield on earning assets
0.81%Cost of funding earning assets
4.89%Net interest margin
0.21%Noninterest income to earning assets
3.20%Noninterest expense to earning assets
1.06%Net operating income to assets
1.06%Return on assets (ROA)
1.70%Pretax return on assets
4.54%Return on equity (ROE)
4.54%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
68.52%Credit loss provision to net charge-offs
15.78%Efficiency ratio
62,648Assets per employee
3.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.39%Loss allowance to noncurrent loans
29.83%Noncurrent assets plus other real estate owned to assets
1.91%Noncurrent loans to loans
1.31%Net loans and leases to deposits
112.03%Net loans and leases to core deposits
113.44%Equity capital to assets
23.49%Core capital (leverage) ratio
23.49%Tier 1 risk-based capital ratio
46.31%Total risk-based capital ratio
Memoranda
$47Average assets
$47,921Average earning assets
$11,156Average equity
$44,680Average loans
List of branches
1 Tennessee Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42020
Lawrenceburg Federal Bank
118 West Gaines Street, Lawrenceburg, TN 38464
October 01, 1934
Full Service Brick and Mortar
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