Lewis County Bank in Hohenwald, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 15, 2000

Lewis County Bank in Hohenwald, Tennessee (TN)
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Lewis County Bank - Overview

General
FDIC Certificate #: 24596
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Community South Bank (#19849)
Federal Reserve ID: 297435
Date Established: August 01, 1983
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 14603
FDIC's unique #: 17083
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: August 01, 1983
Last Structure Change Effective Date: September 15, 2000
Last Structure Change Process Date: October 20, 2000
Last Data Update: October 20, 2000
Data Source Date: April 05, 2012
Location
Address: 30 West Main Street, Hohenwald, TN 38462
County: Lewis
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
Financial Summary
Total assets: $43.0 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
19Total employees (full-time equivalent)
$44,970Total assets
$2,820Cash and due from depository institutions
$100Interest-bearing balances
$11,830Securities
$0Federal funds sold & reverse repurchase agreements
$27,659Net loans & leases
$470Loan loss allowance
$0Trading account assets
$920Bank premises and fixed assets
$294Other real estate owned
$627Goodwill and other intangibles
$0Life insurance assets
$820All other assets
$44,970Total liabilities and capital
$40,142Total liabilities
$37,832Total deposits
$34,187Interest-bearing deposits
$37,832Deposits held in domestic offices
0.00%% insured (estimated)
$2,000Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$310All other liabilities
$4,828Total equity capital
$4,828Total bank equity capital
$4,828Perpetual preferred stock
$0Common stock
$400Surplus
$4,125Undivided profits
Memoranda
$303Noncurrent loans and leases
$636Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$606Earning assets
$0Long-term assets (5+ years)
$277Average Assets, year-to-date
$39,589Average Assets, quarterly
$9,194Volatile liabilities
$43,366Insider loans
$44,656FHLB advances
$8,385Loans and leases held for sale
$591Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$636Total unused commitments
$12Restructured Loans and leases
$412Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$3,459Total interest income
$1,526Total interest expense
$1,933Net interest income
$50Provision for loan and lease losses
$416Total noninterest income
$0Fiduciary activities
$256Service charges on deposit accounts
$0Trading account gains & fees
$160Additional noninterest income
$1,238Total noninterest expense
$525Salaries and employee benefits
$153Premises and equipment expense
$560Additional noninterest expense
$1,061Pre-tax net operating income
$25Securities gains (losses)
$375Applicable income taxes
$711Income before extraordinary items
$0Extraordinary gains - net
$711Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$22Sale, conversion, retirement of capital stock, net
$1,118Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.95%Yield on earning assets
3.95%Cost of funding earning assets
5.00%Net interest margin
1.08%Noninterest income to earning assets
3.21%Noninterest expense to earning assets
1.60%Net operating income to assets
1.64%Return on assets (ROA)
2.50%Pretax return on assets
14.03%Return on equity (ROE)
-8.03%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
227.27%Credit loss provision to net charge-offs
50.50%Efficiency ratio
46,488Assets per employee
2.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
157.24%Loss allowance to loans
1.67%Loss allowance to noncurrent loans
77.56%Noncurrent assets plus other real estate owned to assets
2.00%Noncurrent loans to loans
2.15%Net loans and leases to deposits
73.11%Net loans and leases to core deposits
87.95%Equity capital to assets
10.74%Core capital (leverage) ratio
10.18%Tier 1 risk-based capital ratio
15.63%Total risk-based capital ratio
Memoranda
$17Average assets
$43,366Average earning assets
$5,067Average equity
$38,627Average loans

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