The Hardin County Bank in Savannah, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Hardin County Bank in Savannah, Tennessee (TN)
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The Hardin County Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 90Total employees (full-time equivalent)
  • $368,688Total assets
  • $7,618Cash and due from depository institutions
  • $5,353Interest-bearing balances
  • $59,350Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $270,307Net loans & leases
  • $1,898Loan loss allowance
  • $0Trading account assets
  • $10,102Bank premises and fixed assets
  • $6,483Other real estate owned
  • $386Goodwill and other intangibles
  • $368,688Life insurance assets
  • $14,442All other assets
  • $338,953Total liabilities and capital
  • $323,643Total liabilities
  • $280,836Total deposits
  • $323,643Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $5,310Subordinated debt
  • $29,735All other liabilities
  • $29,735Total equity capital
  • $29,735Total bank equity capital
  • $0Perpetual preferred stock
  • $1,025Common stock
  • $5,450Surplus
  • $23,260Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $724Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,319Income earned, not collected on loans
  • $0Earning assets
  • $3,080Long-term assets (5+ years)
  • $335,010Average Assets, year-to-date
  • $75,051Average Assets, quarterly
  • $363,467Volatile liabilities
  • $369,925Insider loans
  • $261,548FHLB advances
  • $366,999Loans and leases held for sale
  • $7,271Unused loan commitments
  • $3,772Tier 1 (core) risk-based capital
  • $29,073Tier 2 risk-based capital
  • $3,499Total risk weighted assets
  • $0Total unused commitments
  • $34,049Restructured Loans and leases
  • $1,901Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,774Total interest income
  • $4,668Total interest expense
  • $14,106Net interest income
  • $435Provision for loan and lease losses
  • $2,037Total noninterest income
  • $0Fiduciary activities
  • $723Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,314Additional noninterest income
  • $10,039Total noninterest expense
  • $6,098Salaries and employee benefits
  • $1,235Premises and equipment expense
  • $2,706Additional noninterest expense
  • $5,669Pre-tax net operating income
  • $477Securities gains (losses)
  • $2,035Applicable income taxes
  • $4,111Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,111Net income attributable to bank
  • $0Net charge-offs
  • $4,111Cash dividends
  • $727Sale, conversion, retirement of capital stock, net
  • $2,650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.69%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 14.07%Return on equity (ROE)
  • 5.00%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 59.83%Credit loss provision to net charge-offs
  • 8.40%Efficiency ratio
  • 62,188Assets per employee
  • 4.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.46%Loss allowance to loans
  • 0.70%Loss allowance to noncurrent loans
  • 143.90%Noncurrent assets plus other real estate owned to assets
  • 2.12%Noncurrent loans to loans
  • 0.48%Net loans and leases to deposits
  • 83.52%Net loans and leases to core deposits
  • 96.95%Equity capital to assets
  • 8.07%Core capital (leverage) ratio
  • 7.92%Tier 1 risk-based capital ratio
  • 11.12%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $363,467Average earning assets
  • $29,211Average equity
  • $330,045Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,569Managed Assets
  • 1Number of Accounts
  • $1,530Personal trust and agency accounts
  • $1,530Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 131Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $39Other retirement accounts
  • $0Corporate trust and agency accounts
  • $39Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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