The First National Bank of Crossville in Crossville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1998

  • The First National Bank of Crossville in Crossville, Tennessee (TN)
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The First National Bank of Crossville - Overview

  • General
  • FDIC Certificate #: 4928
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank, National Association (#4979)
    Federal Reserve ID: 631338
    Date Established: January 01, 1900
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    OTS Docket #: 11604
    FDIC's unique #: 3272
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 1998
    Last Structure Change Process Date: January 26, 1998
    Last Data Update: January 26, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 812 North Main Street, Crossville, TN 38555
    County: Cumberland
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Crossville, TN (#18900)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $183.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 67Total employees (full-time equivalent)
  • $183,653Total assets
  • $6,988Cash and due from depository institutions
  • $1Interest-bearing balances
  • $53,852Securities
  • $32,040Federal funds sold & reverse repurchase agreements
  • $87,052Net loans & leases
  • $1,109Loan loss allowance
  • $0Trading account assets
  • $2,213Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,508All other assets
  • $183,653Total liabilities and capital
  • $170,725Total liabilities
  • $163,371Total deposits
  • $150,287Interest-bearing deposits
  • $163,371Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $6,068Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,286All other liabilities
  • $12,928Total equity capital
  • $12,928Total bank equity capital
  • $12,928Perpetual preferred stock
  • $0Common stock
  • $523Surplus
  • $2,000Undivided profits
  • Memoranda
  • $10,405Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $148Earning assets
  • $0Long-term assets (5+ years)
  • $593Average Assets, year-to-date
  • $172,945Average Assets, quarterly
  • $23,344Volatile liabilities
  • $184,789Insider loans
  • $185,413FHLB advances
  • $22,441Loans and leases held for sale
  • $610Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $17,284Total unused commitments
  • $0Restructured Loans and leases
  • $82,486Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $13,121Total interest income
  • $6,532Total interest expense
  • $6,589Net interest income
  • $107Provision for loan and lease losses
  • $1,038Total noninterest income
  • $0Fiduciary activities
  • $621Service charges on deposit accounts
  • $0Trading account gains & fees
  • $417Additional noninterest income
  • $3,738Total noninterest expense
  • $2,007Salaries and employee benefits
  • $453Premises and equipment expense
  • $1,278Additional noninterest expense
  • $3,782Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,326Applicable income taxes
  • $2,456Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,456Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $2,160Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.56%Yield on earning assets
  • 3.76%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.15%Noninterest expense to earning assets
  • 1.33%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 2.05%Pretax return on assets
  • 19.25%Return on equity (ROE)
  • 2.32%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 1070.00%Credit loss provision to net charge-offs
  • 388.90%Efficiency ratio
  • 49,010Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.95%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 749.32%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 53.28%Net loans and leases to core deposits
  • 59.22%Equity capital to assets
  • 7.04%Core capital (leverage) ratio
  • 6.68%Tier 1 risk-based capital ratio
  • 15.20%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $184,789Average earning assets
  • $12,757Average equity
  • $173,602Average loans

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