The Lauderdale County Bank in Halls, Tennessee (TN)

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The Lauderdale County Bank routing number info

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The Lauderdale County Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)19
Total assets$45,440
Cash and due from depository institutions$5,553
Interest-bearing balances$4,269
Federal funds sold & reverse repurchase agreements$3,636
Net loans & leases$22,171
Loan loss allowance $258
Trading account assets$0
Bank premises and fixed assets$1,100
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$791
Life insurance assets$45,440
Total liabilities and capital$41,109
Total liabilities$40,477
Total deposits$33,028
Interest-bearing deposits$40,477
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$318
Other borrowed funds $0
Subordinated debt $314
All other liabilities $4,331
Total equity capital$4,331
Total bank equity capital$4,331
Perpetual preferred stock$0
Common stock$355
Undivided profits $3,007
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $237
Earning assets $0
Long-term assets (5+ years) $261
Average Assets, year-to-date $42,265
Average Assets, quarterly $11,915
Volatile liabilities $44,099
Insider loans $45,079
FHLB advances $24,864
Loans and leases held for sale $46,064
Unused loan commitments $123
Tier 1 (core) risk-based capital $123
Tier 2 risk-based capital $4,038
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $649
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,087
Total interest expense $451
Net interest income $1,636
Provision for loan and lease losses $36
Total noninterest income $248
Fiduciary activities $0
Service charges on deposit accounts $224
Trading account gains & fees $0
Additional noninterest income $24
Total noninterest expense $1,570
Salaries and employee benefits $864
Premises and equipment expense $363
Additional noninterest expense $343
Pre-tax net operating income $278
Securities gains (losses) $0
Applicable income taxes $54
Income before extraordinary items $224
Extraordinary gains - net $0
Net income attributable to bank $224
Net charge-offs $0
Cash dividends $224
Sale, conversion, retirement of capital stock, net $6
Net operating income $65
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.11%
Cost of funding earning assets 1.10%
Net interest margin 4.00%
Noninterest income to earning assets 0.61%
Noninterest expense to earning assets 3.84%
Net operating income to assets 0.51%
Return on assets (ROA) 0.51%
Pretax return on assets 0.63%
Return on equity (ROE) 5.32%
Retained earnings to average equity (YTD only) 3.77%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 600.00%
Efficiency ratio52.33%
Assets per employee$83,333
Cash dividends to net income (YTD only)2.39%
Condition Ratios (%)
Loss allowance to loans 29.02%
Loss allowance to noncurrent loans 1.15%
Noncurrent assets plus other real estate owned to assets 108.86%
Noncurrent loans to loans 0.52%
Net loans and leases to deposits1.06%
Net loans and leases to core deposits 54.77%
Equity capital to assets 61.48%
Core capital (leverage) ratio 9.53%
Tier 1 risk-based capital ratio 8.77%
Total risk-based capital ratio 16.24%
Average assets$17
Average earning assets$44,099
Average equity $4,213
Average loans $40,878
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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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