The Bank of Fayette County in Moscow, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Bank of Fayette County in Moscow, Tennessee (TN)
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The Bank of Fayette County - Overview

  • 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)

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
  • 76Total employees (full-time equivalent)
  • $307,763Total assets
  • $17,763Cash and due from depository institutions
  • $15,452Interest-bearing balances
  • $29,385Securities
  • $5,168Federal funds sold & reverse repurchase agreements
  • $238,361Net loans & leases
  • $3,117Loan loss allowance
  • $0Trading account assets
  • $9,081Bank premises and fixed assets
  • $3,124Other real estate owned
  • $27Goodwill and other intangibles
  • $307,763Life insurance assets
  • $4,854All other assets
  • $280,296Total liabilities and capital
  • $253,762Total liabilities
  • $225,322Total deposits
  • $253,762Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 3149.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,490Trading liabilities
  • $0Other borrowed funds
  • $895Subordinated debt
  • $27,467All other liabilities
  • $27,467Total equity capital
  • $27,467Total bank equity capital
  • $0Perpetual preferred stock
  • $51Common stock
  • $15,011Surplus
  • $12,405Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,536Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,169Income earned, not collected on loans
  • $0Earning assets
  • $1,546Long-term assets (5+ years)
  • $288,366Average Assets, year-to-date
  • $52,069Average Assets, quarterly
  • $298,774Volatile liabilities
  • $301,387Insider loans
  • $227,834FHLB advances
  • $296,781Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,117Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,459Restructured Loans and leases
  • $2,549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,457Total interest income
  • $3,755Total interest expense
  • $10,702Net interest income
  • $1,136Provision for loan and lease losses
  • $421Total noninterest income
  • $0Fiduciary activities
  • $543Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$122Additional noninterest income
  • $7,625Total noninterest expense
  • $4,470Salaries and employee benefits
  • $951Premises and equipment expense
  • $2,204Additional noninterest expense
  • $2,362Pre-tax net operating income
  • $109Securities gains (losses)
  • $846Applicable income taxes
  • $1,625Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,625Net income attributable to bank
  • $0Net charge-offs
  • $1,625Cash dividends
  • $1,201Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 1.37%Cost of funding earning assets
  • 3.89%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 6.02%Return on equity (ROE)
  • 4.17%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 94.59%Credit loss provision to net charge-offs
  • 2.91%Efficiency ratio
  • 68,552Assets per employee
  • 4.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.77%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 50.53%Noncurrent assets plus other real estate owned to assets
  • 3.02%Noncurrent loans to loans
  • 2.55%Net loans and leases to deposits
  • 93.93%Net loans and leases to core deposits
  • 103.54%Equity capital to assets
  • 8.92%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 11.90%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $298,774Average earning assets
  • $26,983Average equity
  • $275,057Average loans

List of branches

  • 9 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06602The Bank Of Fayette County120 Charleston Street, Moscow, TN 38057April 26, 1905Full Service Brick and Mortar
    1222183Piperton Branch1265 Highway 57 East, Piperton, TN 38017September 04, 1990Full Service Brick and Mortar
    2222184Express Branch14400 Highway 57, Moscow, TN 38057January 21, 2000Full Service Brick and Mortar
    3363571Somerville Branch15995 Highway 64, Somerville, TN 38068April 01, 2002Full Service Brick and Mortar
    5453562Hickory Withe Branch3155 Highway 64, Moscow, TN 38057September 19, 2005Full Service Brick and Mortar
    6478911Grand Junction Branch25205 Hwy 57, Grand Junction, TN 38039November 12, 2007Full Service Brick and Mortar
    7478912Bolivar Branch118 W. Market Street, Bolivar, TN 38008October 24, 2007Full Service Brick and Mortar
    8510425Mcnairy Branch574 Mulberry Street, Selmer, TN 38375November 18, 2009Full Service Brick and Mortar
    9510426Oaklnad Branch200 Chickasaw Ridge, Suite 25, Oakland, TN 38060Febuary 01, 2010Full Service Brick and Mortar

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