The Hardin County Bank in Savannah, Tennessee (TN)

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The Hardin County Bank routing number info

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The Hardin County Bank
GeneralFDIC Certificate #: 20993
Status: Active
Federal Reserve ID: 526854
Bank Holding Company (Regulatory Top Holder): Hardin County Bancshares, Inc. (RSSDID: 1097838, Location: Savannah, TN)
Date Established: March 12, 1973
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 9903
FDIC's unique #: 14498
Numeric code: 21
Regulator: FDIC
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: March 12, 1973
Last Structure Change Effective Date: September 14, 2009
Last Structure Change Process Date: October 15, 2009
Last Data Update: October 15, 2009
Data Source Date: April 05, 2012
LocationAddress: 225 Wayne Road, Savannah, TN 38372
County: Hardin
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
History of ChangesOffice Purchased
Financial SummaryTotal assets: $368.7 mil
Equity capital: $29.7 mil
Deposits held in domestic offices: $323.6 mil
Return on assets (ROA): 1.13% ($4.2 mil)
Quarterly return on assets: 1.18% ($4.4 mil)
Return on Equity (ROE): 14.07% ($4.2 mil)
Quarterly return on equity: 14.31% ($4.3 mil)
Net income: $4.1 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.69% ($6,230.8 mil)
Quarterly Pretax return on assets: 1.70% ($6,267.7 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)
Total employees (full-time equivalent)90
Total assets$368,688
Cash and due from depository institutions$7,618
Interest-bearing balances$5,353
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$270,307
Loan loss allowance $1,898
Trading account assets$0
Bank premises and fixed assets$10,102
Other real estate owned$6,483
Goodwill and other intangibles$386
All other assets$14,442
Life insurance assets$368,688
Total liabilities and capital$338,953
Total liabilities$323,643
Total deposits$280,836
Interest-bearing deposits$323,643
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $5,310
All other liabilities $29,735
Total equity capital$29,735
Total bank equity capital$29,735
Perpetual preferred stock$0
Common stock$1,025
Undivided profits $23,260
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $724
Income earned, not collected on loans $1,319
Earning assets $0
Long-term assets (5+ years) $3,080
Average Assets, year-to-date $335,010
Average Assets, quarterly $75,051
Volatile liabilities $363,467
Insider loans $369,925
FHLB advances $261,548
Loans and leases held for sale $366,999
Unused loan commitments $7,271
Tier 1 (core) risk-based capital $3,772
Tier 2 risk-based capital $29,073
Total risk weighted assets $3,499
Total unused commitments $0
Restructured Loans and leases $34,049
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $18,774
Total interest expense $4,668
Net interest income $14,106
Provision for loan and lease losses $435
Total noninterest income $2,037
Fiduciary activities $0
Service charges on deposit accounts $723
Trading account gains & fees $0
Additional noninterest income $1,314
Total noninterest expense $10,039
Salaries and employee benefits $6,098
Premises and equipment expense $1,235
Additional noninterest expense $2,706
Pre-tax net operating income $5,669
Securities gains (losses) $477
Applicable income taxes $2,035
Income before extraordinary items $4,111
Extraordinary gains - net $0
Net income attributable to bank $4,111
Net charge-offs $0
Cash dividends $4,111
Sale, conversion, retirement of capital stock, net $727
Net operating income $2,650
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.69%
Cost of funding earning assets 1.41%
Net interest margin 4.27%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 3.04%
Net operating income to assets 1.04%
Return on assets (ROA) 1.13%
Pretax return on assets 1.69%
Return on equity (ROE) 14.07%
Retained earnings to average equity (YTD only) 5.00%
Net charge-offs to loans 0.27%
Credit loss provision to net charge-offs 59.83%
Efficiency ratio8.40%
Assets per employee$62,188
Cash dividends to net income (YTD only)4.10%
Condition Ratios (%)
Loss allowance to loans 64.46%
Loss allowance to noncurrent loans 0.70%
Noncurrent assets plus other real estate owned to assets 143.90%
Noncurrent loans to loans 2.12%
Net loans and leases to deposits0.48%
Net loans and leases to core deposits 83.52%
Equity capital to assets 96.95%
Core capital (leverage) ratio 8.07%
Tier 1 risk-based capital ratio 7.92%
Total risk-based capital ratio 11.12%
Average assets$12
Average earning assets$363,467
Average equity $29,211
Average loans $330,045
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Total Fiduciary and Related Assets (December 31, 2003)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,569
Number of Accounts1
Personal trust and agency accounts$1,530
Employee benefit-defined contribution accounts$1,530
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts131
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$39
Corporate trust and agency accounts$0
Other fiduciary accounts$39
Fiduciary accounts held in foreign offices$0
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6 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
014498The Hardin County Bank225 Wayne Road, Savannah, TN 38372March 12, 1973Full Service Brick and Mortar
2251999Counce Branch7115 Ushwy 57, Counce, TN 38326August 10, 1978Full Service Brick and Mortar
5252001Adamsville Branch433 Main Street, Adamsville, TN 38310October 21, 1996Full Service Brick and Mortar
6454779Pickwick Street Branch780 Pickwick Street, Savannah, TN 38372September 05, 2006Full Service Brick and Mortar
7248948Michie Branch5867 Highway 22 South, Michie, TN 38357December 13, 1969Full Service Brick and Mortar
8285344Pickwick Dam Branch12780 Highway 57, Pickwick Dam, TN 38365July 01, 1990Full Service Brick and Mortar
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