The Lauderdale County Bank in Halls, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Lauderdale County Bank in Halls, Tennessee (TN)
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The Lauderdale County Bank - Overview

  • General
  • FDIC Certificate #: 22835
    Status: Active
    Federal Reserve ID: 82350
    Bank Holding Company (Regulatory Top Holder): Lauderdale County Bancshares, Inc., The (RSSDID: 2020691, Location: Halls, TN)
    Date Established: April 04, 1979
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10088
    FDIC's unique #: 15951
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 04, 1979
    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: 305 South Church Street, Halls, TN 38040
    County: Lauderdale
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $45.4 mil
    Equity capital: $4.3 mil
    Deposits held in domestic offices: $40.5 mil
    Return on assets (ROA): 0.51% ($0.2 mil)
    Quarterly return on assets: 0.11% ($0.0 mil)
    Return on Equity (ROE): 5.32% ($0.2 mil)
    Quarterly return on equity: 1.10% ($0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.63% ($286.3 mil)
    Quarterly Pretax return on assets: 0.59% ($268.1 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, 2011)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $45,440Total assets
  • $5,553Cash and due from depository institutions
  • $4,269Interest-bearing balances
  • $12,189Securities
  • $3,636Federal funds sold & reverse repurchase agreements
  • $22,171Net loans & leases
  • $258Loan loss allowance
  • $0Trading account assets
  • $1,100Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $45,440Life insurance assets
  • $791All other assets
  • $41,109Total liabilities and capital
  • $40,477Total liabilities
  • $33,028Total deposits
  • $40,477Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $318Trading liabilities
  • $0Other borrowed funds
  • $314Subordinated debt
  • $4,331All other liabilities
  • $4,331Total equity capital
  • $4,331Total bank equity capital
  • $0Perpetual preferred stock
  • $355Common stock
  • $969Surplus
  • $3,007Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $237Income earned, not collected on loans
  • $0Earning assets
  • $261Long-term assets (5+ years)
  • $42,265Average Assets, year-to-date
  • $11,915Average Assets, quarterly
  • $44,099Volatile liabilities
  • $45,079Insider loans
  • $24,864FHLB advances
  • $46,064Loans and leases held for sale
  • $123Unused loan commitments
  • $123Tier 1 (core) risk-based capital
  • $4,038Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $649Restructured Loans and leases
  • $5,561Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,087Total interest income
  • $451Total interest expense
  • $1,636Net interest income
  • $36Provision for loan and lease losses
  • $248Total noninterest income
  • $0Fiduciary activities
  • $224Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24Additional noninterest income
  • $1,570Total noninterest expense
  • $864Salaries and employee benefits
  • $363Premises and equipment expense
  • $343Additional noninterest expense
  • $278Pre-tax net operating income
  • $0Securities gains (losses)
  • $54Applicable income taxes
  • $224Income before extraordinary items
  • $0Extraordinary gains - net
  • $224Net income attributable to bank
  • $0Net charge-offs
  • $224Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $65Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.84%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 5.32%Return on equity (ROE)
  • 3.77%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 600.00%Credit loss provision to net charge-offs
  • 52.33%Efficiency ratio
  • 83,333Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.02%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 108.86%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 1.06%Net loans and leases to deposits
  • 54.77%Net loans and leases to core deposits
  • 61.48%Equity capital to assets
  • 9.53%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 16.24%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $44,099Average earning assets
  • $4,213Average equity
  • $40,878Average loans

List of branches

  • 2 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015951The Lauderdale County Bank305 South Church Street, Halls, TN 38040April 04, 1979Full Service Brick and Mortar
    1255424Cleveland Street Branch331 Cleveland Street, Ripley, TN 38063August 30, 1989Full Service Brick and Mortar

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