Peoples and Union Bank in Lewisburg, Tennessee (TN)



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Peoples and Union Bank
GeneralFDIC Certificate #: 1474
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Farmers and Merchants Bank (#1487)
Federal Reserve ID: 200631
Date Established: April 04, 1889
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 970
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: April 27, 2001
Last Structure Change Process Date: May 10, 2001
Last Data Update: May 10, 2001
Data Source Date: April 05, 2012
LocationAddress: 260 North Ellington Parkway, Lewisburg, TN 37091
County: Marshall
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): Lewisburg, TN (#30280)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $162.3 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, 2000)
(Dollar figures in thousands)
Total employees (full-time equivalent)41
Total assets$165,397
Cash and due from depository institutions$3,660
Interest-bearing balances$0
Securities$39,912
Federal funds sold & reverse repurchase agreements$9,700
Net loans & leases$109,177
Loan loss allowance $1,181
Trading account assets$0
Bank premises and fixed assets$1,229
Other real estate owned$84
Goodwill and other intangibles$0
All other assets$1,635
Life insurance assets$0
Total liabilities and capital$165,397
Total liabilities$154,098
Total deposits$152,911
Interest-bearing deposits$135,165
Deposits held in domestic offices$152,911
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $1,187
Total equity capital$11,299
Total bank equity capital$11,299
Perpetual preferred stock$11,299
Common stock$0
Surplus$480
Undivided profits $480
Memoranda
Noncurrent loans and leases $10,339
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $6,513
Income earned, not collected on loans $0
Earning assets $112
Long-term assets (5+ years) $0
Average Assets, year-to-date $752
Average Assets, quarterly $158,789
Volatile liabilities $16,062
Insider loans $156,616
FHLB advances $163,805
Loans and leases held for sale $45,696
Unused loan commitments $2,562
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $6,513
Restructured Loans and leases $0
Derivatives$1,181
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Income and Expense (December 31, 2000)
(Dollar figures in thousands)
Total interest income $12,291
Total interest expense $6,826
Net interest income $5,465
Provision for loan and lease losses $80
Total noninterest income $720
Fiduciary activities $71
Service charges on deposit accounts $497
Trading account gains & fees $0
Additional noninterest income $152
Total noninterest expense $2,395
Salaries and employee benefits $1,718
Premises and equipment expense $267
Additional noninterest expense $410
Pre-tax net operating income $3,710
Securities gains (losses) $0
Applicable income taxes $1,354
Income before extraordinary items $2,356
Extraordinary gains - net $0
Net income attributable to bank $2,356
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $16
Net operating income $1,200
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Performance and Condition Ratios (December 31, 2000)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets8.20%
Cost of funding earning assets 4.56%
Net interest margin 3.65%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 1.60%
Net operating income to assets 1.50%
Return on assets (ROA) 1.50%
Pretax return on assets 2.37%
Return on equity (ROE) 22.56%
Retained earnings to average equity (YTD only) 11.07%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 500.00%
Efficiency ratio236.88%
Assets per employee$38,723
Cash dividends to net income (YTD only)4.03%
Condition Ratios (%)
Loss allowance to loans 50.93%
Loss allowance to noncurrent loans 1.07%
Noncurrent assets plus other real estate owned to assets 1054.46%
Noncurrent loans to loans 0.12%
Net loans and leases to deposits0.10%
Net loans and leases to core deposits 71.40%
Equity capital to assets 101.83%
Core capital (leverage) ratio 6.83%
Tier 1 risk-based capital ratio 6.87%
Total risk-based capital ratio 10.43%
Memoranda
Average assets$12
Average earning assets$156,616
Average equity $10,445
Average loans $149,803
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