The Home Bank in Ducktown, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 11, 2006

  • The Home Bank in Ducktown, Tennessee (TN)
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The Home Bank - Overview

  • General
  • FDIC Certificate #: 10303
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 828633
    Date Established: September 01, 1904
    WWW: http://www.thehomebank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Interstate: No)
    OTS Docket #: 14378
    FDIC's unique #: 6599
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 11, 2006
    Last Structure Change Process Date: December 08, 2006
    Last Data Update: December 08, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 Five Points Drive, Ducktown, TN 37326
    County: Polk
    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
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Cleveland, TN (#17420)
    CBSA Metro Statistical Area: Cleveland, TN (#17420)
  • Financial Summary
  • Total assets: $119.1 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, 2005)

  • Dollar figures in thousands
  • 48Total employees (full-time equivalent)
  • $119,904Total assets
  • $3,687Cash and due from depository institutions
  • $60Interest-bearing balances
  • $9,717Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $101,111Net loans & leases
  • $1,472Loan loss allowance
  • $0Trading account assets
  • $3,562Bank premises and fixed assets
  • $153Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,674All other assets
  • $119,904Total liabilities and capital
  • $109,574Total liabilities
  • $96,107Total deposits
  • $79,982Interest-bearing deposits
  • $96,107Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,734Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $8,500Other borrowed funds
  • $0Subordinated debt
  • $1,233All other liabilities
  • $10,330Total equity capital
  • $10,330Total bank equity capital
  • $10,330Perpetual preferred stock
  • $0Common stock
  • $436Surplus
  • $436Undivided profits
  • Memoranda
  • $9,458Noncurrent loans and leases
  • $11,143Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $771Earning assets
  • $0Long-term assets (5+ years)
  • $871Average Assets, year-to-date
  • $110,888Average Assets, quarterly
  • $1,884Volatile liabilities
  • $114,710Insider loans
  • $119,497FHLB advances
  • $15,847Loans and leases held for sale
  • $318Unused loan commitments
  • $8,500Tier 1 (core) risk-based capital
  • $1,697Tier 2 risk-based capital
  • $697Total risk weighted assets
  • $11,143Total unused commitments
  • $4Restructured Loans and leases
  • $1,196Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $7,991Total interest income
  • $1,866Total interest expense
  • $6,125Net interest income
  • $325Provision for loan and lease losses
  • $1,027Total noninterest income
  • $0Fiduciary activities
  • $703Service charges on deposit accounts
  • $0Trading account gains & fees
  • $324Additional noninterest income
  • $3,848Total noninterest expense
  • $2,051Salaries and employee benefits
  • $617Premises and equipment expense
  • $1,180Additional noninterest expense
  • $2,979Pre-tax net operating income
  • $0Securities gains (losses)
  • $145Applicable income taxes
  • $2,834Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,834Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $116Sale, conversion, retirement of capital stock, net
  • $1,800Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.56%Yield on earning assets
  • 1.77%Cost of funding earning assets
  • 5.79%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 3.64%Noninterest expense to earning assets
  • 2.47%Net operating income to assets
  • 2.47%Return on assets (ROA)
  • 2.60%Pretax return on assets
  • 28.62%Return on equity (ROE)
  • 10.44%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 280.17%Credit loss provision to net charge-offs
  • 28.48%Efficiency ratio
  • 53,803Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.51%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 190.92%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 105.21%Net loans and leases to core deposits
  • 115.56%Equity capital to assets
  • 8.62%Core capital (leverage) ratio
  • 8.70%Tier 1 risk-based capital ratio
  • 10.85%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $114,710Average earning assets
  • $9,902Average equity
  • $105,696Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,372Managed Assets
  • 1Number of Accounts
  • $5,372Personal trust and agency accounts
  • $2,686Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,686Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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