Medina Banking Co. in Medina, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Medina Banking Co. - Overview

  • General
  • FDIC Certificate #: 10316
    Status: Active
    Federal Reserve ID: 451853
    Bank Holding Company (Regulatory Top Holder): Medina Bancshares, Inc. (RSSDID: 1139082, Location: Medina, TN)
    Date Established: April 07, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 6607
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 11, 2010
    Last Data Update: June 11, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 127 South Main Street, Medina, TN 38355
    County: Gibson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Jackson-Humboldt, TN (#297)
    Core Based Statistical Area (CBSA): Humboldt, TN (#26480)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $39.4 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $32.3 mil
    Return on assets (ROA): 0.88% ($0.3 mil)
    Quarterly return on assets: 0.66% ($0.3 mil)
    Return on Equity (ROE): 5.07% ($0.4 mil)
    Quarterly return on equity: 3.66% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.93% ($366.3 mil)
    Quarterly Pretax return on assets: 0.64% ($252.1 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
  • 15Total employees (full-time equivalent)
  • $39,389Total assets
  • $5,000Cash and due from depository institutions
  • $0Interest-bearing balances
  • $21,426Securities
  • $955Federal funds sold & reverse repurchase agreements
  • $11,281Net loans & leases
  • $212Loan loss allowance
  • $0Trading account assets
  • $414Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $39,389Life insurance assets
  • $313All other assets
  • $32,424Total liabilities and capital
  • $32,253Total liabilities
  • $27,216Total deposits
  • $32,253Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $171Subordinated debt
  • $6,965All other liabilities
  • $6,965Total equity capital
  • $6,965Total bank equity capital
  • $0Perpetual preferred stock
  • $140Common stock
  • $200Surplus
  • $6,625Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $111Income earned, not collected on loans
  • $0Earning assets
  • $190Long-term assets (5+ years)
  • $33,662Average Assets, year-to-date
  • $20,206Average Assets, quarterly
  • $37,956Volatile liabilities
  • $38,731Insider loans
  • $18,612FHLB advances
  • $39,208Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,222Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $125Restructured Loans and leases
  • $123Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,636Total interest income
  • $273Total interest expense
  • $1,363Net interest income
  • $50Provision for loan and lease losses
  • $208Total noninterest income
  • $0Fiduciary activities
  • $158Service charges on deposit accounts
  • $0Trading account gains & fees
  • $50Additional noninterest income
  • $1,169Total noninterest expense
  • $665Salaries and employee benefits
  • $157Premises and equipment expense
  • $347Additional noninterest expense
  • $352Pre-tax net operating income
  • $0Securities gains (losses)
  • $18Applicable income taxes
  • $334Income before extraordinary items
  • $0Extraordinary gains - net
  • $334Net income attributable to bank
  • $0Net charge-offs
  • $334Cash dividends
  • -$9Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 5.07%Return on equity (ROE)
  • 5.07%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • -555.56%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 74,411Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 190.99%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 34.98%Net loans and leases to core deposits
  • 35.26%Equity capital to assets
  • 17.68%Core capital (leverage) ratio
  • 15.87%Tier 1 risk-based capital ratio
  • 33.43%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $37,956Average earning assets
  • $6,588Average equity
  • $33,139Average loans

List of branches

  • 2 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06607Medina Banking Co.127 South Main Street, Medina, TN 38355April 07, 1905Full Service Brick and Mortar
    1468437Gibson Branch2202 Gibson Square, Gibson, TN 38338October 11, 2007Full Service Brick and Mortar

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