Reliant Bank in Brentwood, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Reliant Bank - Overview

  • General
  • FDIC Certificate #: 58209
    Status: Active
    Federal Reserve ID: 3402575
    Date Established: January 09, 2006
    WWW: http://www.reliantbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 442226
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 09, 2006
    Last Structure Change Effective Date: January 06, 2009
    Last Structure Change Process Date: January 06, 2009
    Last Data Update: January 06, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1736 Carothers Pkwy, Brentwood, TN 37027
    County: Williamson
    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
    Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
    Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
    Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
    CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $363.4 mil
    Equity capital: $33.2 mil
    Deposits held in domestic offices: $314.2 mil
    Return on assets (ROA): -0.40% (-$1.5 mil)
    Quarterly return on assets: 0.64% ($2.3 mil)
    Return on Equity (ROE): -4.58% (-$1.5 mil)
    Quarterly return on equity: 7.08% ($2.3 mil)
    Net income: -$1.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: -0.68% (-$2,471.4 mil)
    Quarterly Pretax return on assets: 1.03% ($3,743.4 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
  • 71Total employees (full-time equivalent)
  • $363,439Total assets
  • $19,478Cash and due from depository institutions
  • $18,182Interest-bearing balances
  • $42,526Securities
  • $228Federal funds sold & reverse repurchase agreements
  • $274,350Net loans & leases
  • $9,738Loan loss allowance
  • $0Trading account assets
  • $4,295Bank premises and fixed assets
  • $4,991Other real estate owned
  • $1,502Goodwill and other intangibles
  • $363,439Life insurance assets
  • $16,069All other assets
  • $330,262Total liabilities and capital
  • $314,241Total liabilities
  • $285,281Total deposits
  • $314,241Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $1,021Subordinated debt
  • $33,177All other liabilities
  • $33,177Total equity capital
  • $33,177Total bank equity capital
  • $0Perpetual preferred stock
  • $3,418Common stock
  • $36,257Surplus
  • $-6,498Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,325Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,383Income earned, not collected on loans
  • $0Earning assets
  • $1,224Long-term assets (5+ years)
  • $335,286Average Assets, year-to-date
  • $103,506Average Assets, quarterly
  • $376,486Volatile liabilities
  • $366,506Insider loans
  • $285,833FHLB advances
  • $354,501Loans and leases held for sale
  • $5,573Unused loan commitments
  • $5,573Tier 1 (core) risk-based capital
  • $27,807Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $49,025Restructured Loans and leases
  • $12,696Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,453Total interest income
  • $4,168Total interest expense
  • $14,285Net interest income
  • $6,518Provision for loan and lease losses
  • $1,876Total noninterest income
  • $0Fiduciary activities
  • $239Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,637Additional noninterest income
  • $12,714Total noninterest expense
  • $6,155Salaries and employee benefits
  • $2,508Premises and equipment expense
  • $4,051Additional noninterest expense
  • -$3,071Pre-tax net operating income
  • $526Securities gains (losses)
  • -$1,022Applicable income taxes
  • -$1,523Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,523Net income attributable to bank
  • $0Net charge-offs
  • -$1,523Cash dividends
  • $5,916Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • -0.49%Net operating income to assets
  • -0.40%Return on assets (ROA)
  • -0.68%Pretax return on assets
  • -4.58%Return on equity (ROE)
  • -4.58%Retained earnings to average equity (YTD only)
  • 2.01%Net charge-offs to loans
  • 110.18%Credit loss provision to net charge-offs
  • 0.58%Efficiency ratio
  • 77,860Assets per employee
  • 5.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.43%Loss allowance to noncurrent loans
  • 93.79%Noncurrent assets plus other real estate owned to assets
  • 4.23%Noncurrent loans to loans
  • 3.65%Net loans and leases to deposits
  • 87.31%Net loans and leases to core deposits
  • 89.28%Equity capital to assets
  • 9.13%Core capital (leverage) ratio
  • 7.84%Tier 1 risk-based capital ratio
  • 9.73%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $376,486Average earning assets
  • $33,238Average equity
  • $345,853Average loans

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0442226Reliant Bank1736 Carothers Pkwy, Brentwood, TN 37027January 09, 2006Full Service Brick and Mortar
    1493472Lenox Village Branch6005 Nolensville Road, Nashville, TN 37211October 01, 2008Full Service Brick and Mortar
    2495489Maryland Farm Branch5109 Peter Taylor Park Drive, Brentwood, TN 37027August 03, 2009Full Service Brick and Mortar
    3510982Franklin Branch101 Creekstone Blvd, Franklin, TN 37064May 26, 2010Full Service Brick and Mortar

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