The Bank of Bradford in Bradford, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 01, 2008

  • The Bank of Bradford in Bradford, Tennessee (TN)
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The Bank of Bradford - Overview

  • General
  • FDIC Certificate #: 2382
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Carroll Bank and Trust (#2380)
    Federal Reserve ID: 514253
    Date Established: January 01, 1903
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 1568
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 01, 2008
    Last Structure Change Process Date: December 04, 2008
    Last Data Update: December 04, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 133 East Main Street, Bradford, TN 38316
    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
  • Financial Summary
  • Total assets: $37.9 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, 2007)

  • Dollar figures in thousands
  • 13Total employees (full-time equivalent)
  • $37,242Total assets
  • $2,286Cash and due from depository institutions
  • $85Interest-bearing balances
  • $19,616Securities
  • $3,602Federal funds sold & reverse repurchase agreements
  • $10,967Net loans & leases
  • $299Loan loss allowance
  • $0Trading account assets
  • $357Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $414All other assets
  • $37,242Total liabilities and capital
  • $30,608Total liabilities
  • $30,304Total deposits
  • $26,570Interest-bearing deposits
  • $30,304Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $304All other liabilities
  • $6,634Total equity capital
  • $6,634Total bank equity capital
  • $6,634Perpetual preferred stock
  • $0Common stock
  • $105Surplus
  • $400Undivided profits
  • Memoranda
  • $6,129Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $307Average Assets, year-to-date
  • $34,270Average Assets, quarterly
  • $10,059Volatile liabilities
  • $37,136Insider loans
  • $37,054FHLB advances
  • $6,122Loans and leases held for sale
  • $525Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $175Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $2,236Total interest income
  • $860Total interest expense
  • $1,376Net interest income
  • $0Provision for loan and lease losses
  • $152Total noninterest income
  • $0Fiduciary activities
  • $124Service charges on deposit accounts
  • $0Trading account gains & fees
  • $28Additional noninterest income
  • $1,029Total noninterest expense
  • $616Salaries and employee benefits
  • $118Premises and equipment expense
  • $295Additional noninterest expense
  • $499Pre-tax net operating income
  • $0Securities gains (losses)
  • $154Applicable income taxes
  • $345Income before extraordinary items
  • $0Extraordinary gains - net
  • $345Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $15Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.40%Yield on earning assets
  • 2.46%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 5.40%Return on equity (ROE)
  • 5.40%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 33.27%Efficiency ratio
  • 67,343Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.65%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 36.19%Net loans and leases to core deposits
  • 45.35%Equity capital to assets
  • 17.81%Core capital (leverage) ratio
  • 17.56%Tier 1 risk-based capital ratio
  • 47.00%Total risk-based capital ratio
  • Memoranda
  • $48Average assets
  • $37,136Average earning assets
  • $6,387Average equity
  • $34,952Average loans

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