The Bank of Fayette County in Moscow, Tennessee (TN)
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| The Bank of Fayette County | |
|---|---|
| General | FDIC Certificate #: 10308 Status: Active Federal Reserve ID: 466754 Bank Holding Company (Regulatory Top Holder): Moscow Bancshares, Inc. (RSSDID: 1099896, Location: Moscow, TN) Date Established: April 26, 1905 WWW: http://www.thebankoffayettecounty.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 9 (Domestic: 9, Interstate: No) OTS Docket #: 15700 FDIC's unique #: 6602 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 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012 |
| Location | Address: 120 Charleston Street, Moscow, TN 38057 County: Fayette 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 Metropolitan Statistical Area (MSA): Memphis, TN-AR-MS (#4920) Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820) CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820) |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $307.8 mil Equity capital: $27.5 mil Deposits held in domestic offices: $253.8 mil Return on assets (ROA): 0.54% ($1.7 mil) Quarterly return on assets: 0.14% ($0.4 mil) Return on Equity (ROE): 6.02% ($1.6 mil) Quarterly return on equity: 1.55% ($0.4 mil) Net income: $1.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.83% ($2,554.4 mil) Quarterly Pretax return on assets: 0.61% ($1,877.4 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 76 |
| Total assets | $307,763 |
| Cash and due from depository institutions | $17,763 |
| Interest-bearing balances | $15,452 |
| Securities | $29,385 |
| Federal funds sold & reverse repurchase agreements | $5,168 |
| Net loans & leases | $238,361 |
| Loan loss allowance | $3,117 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $9,081 |
| Other real estate owned | $3,124 |
| Goodwill and other intangibles | $27 |
| All other assets | $4,854 |
| Life insurance assets | $307,763 |
| Total liabilities and capital | $280,296 |
| Total liabilities | $253,762 |
| Total deposits | $225,322 |
| Interest-bearing deposits | $253,762 |
| Deposits held in domestic offices | $78 |
| % insured (estimated) | 3149.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $22,490 |
| Other borrowed funds | $0 |
| Subordinated debt | $895 |
| All other liabilities | $27,467 |
| Total equity capital | $27,467 |
| Total bank equity capital | $27,467 |
| Perpetual preferred stock | $0 |
| Common stock | $51 |
| Surplus | $15,011 |
| Undivided profits | $12,405 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $2,536 |
| Income earned, not collected on loans | $6,169 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,546 |
| Average Assets, year-to-date | $288,366 |
| Average Assets, quarterly | $52,069 |
| Volatile liabilities | $298,774 |
| Insider loans | $301,387 |
| FHLB advances | $227,834 |
| Loans and leases held for sale | $296,781 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $27,117 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $29,459 |
| Derivatives | $2,549 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $14,457 |
| Total interest expense | $3,755 |
| Net interest income | $10,702 |
| Provision for loan and lease losses | $1,136 |
| Total noninterest income | $421 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $543 |
| Trading account gains & fees | $0 |
| Additional noninterest income | -$122 |
| Total noninterest expense | $7,625 |
| Salaries and employee benefits | $4,470 |
| Premises and equipment expense | $951 |
| Additional noninterest expense | $2,204 |
| Pre-tax net operating income | $2,362 |
| Securities gains (losses) | $109 |
| Applicable income taxes | $846 |
| Income before extraordinary items | $1,625 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,625 |
| Net charge-offs | $0 |
| Cash dividends | $1,625 |
| Sale, conversion, retirement of capital stock, net | $1,201 |
| Net operating income | $500 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.26% |
| Cost of funding earning assets | 1.37% |
| Net interest margin | 3.89% |
| Noninterest income to earning assets | 0.15% |
| Noninterest expense to earning assets | 2.77% |
| Net operating income to assets | 0.52% |
| Return on assets (ROA) | 0.54% |
| Pretax return on assets | 0.83% |
| Return on equity (ROE) | 6.02% |
| Retained earnings to average equity (YTD only) | 4.17% |
| Net charge-offs to loans | 0.52% |
| Credit loss provision to net charge-offs | 94.59% |
| Efficiency ratio | 2.91% |
| Assets per employee | $68,552 |
| Cash dividends to net income (YTD only) | 4.05% |
| Condition Ratios (%) | |
| Loss allowance to loans | 30.77% |
| Loss allowance to noncurrent loans | 1.29% |
| Noncurrent assets plus other real estate owned to assets | 50.53% |
| Noncurrent loans to loans | 3.02% |
| Net loans and leases to deposits | 2.55% |
| Net loans and leases to core deposits | 93.93% |
| Equity capital to assets | 103.54% |
| Core capital (leverage) ratio | 8.92% |
| Tier 1 risk-based capital ratio | 9.14% |
| Total risk-based capital ratio | 11.90% |
| Memoranda | |
| Average assets | $13 |
| Average earning assets | $298,774 |
| Average equity | $26,983 |
| Average loans | $275,057 |
| 9 Tennessee Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 6602 | The Bank Of Fayette County | 120 Charleston Street, Moscow, TN 38057 | April 26, 1905 | Full Service Brick and Mortar |  |
| 1 | 222183 | Piperton Branch | 1265 Highway 57 East, Piperton, TN 38017 | September 04, 1990 | Full Service Brick and Mortar |  |
| 2 | 222184 | Express Branch | 14400 Highway 57, Moscow, TN 38057 | January 21, 2000 | Full Service Brick and Mortar | |
| 3 | 363571 | Somerville Branch | 15995 Highway 64, Somerville, TN 38068 | April 01, 2002 | Full Service Brick and Mortar | |
| 5 | 453562 | Hickory Withe Branch | 3155 Highway 64, Moscow, TN 38057 | September 19, 2005 | Full Service Brick and Mortar | |
| 6 | 478911 | Grand Junction Branch | 25205 Hwy 57, Grand Junction, TN 38039 | November 12, 2007 | Full Service Brick and Mortar | |
| 7 | 478912 | Bolivar Branch | 118 W. Market Street, Bolivar, TN 38008 | October 24, 2007 | Full Service Brick and Mortar | |
| 8 | 510425 | Mcnairy Branch | 574 Mulberry Street, Selmer, TN 38375 | November 18, 2009 | Full Service Brick and Mortar | |
| 9 | 510426 | Oaklnad Branch | 200 Chickasaw Ridge, Suite 25, Oakland, TN 38060 | Febuary 01, 2010 | Full Service Brick and Mortar | |
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