The Pickett County Bank and Trust Company in Byrdstown, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 1995

  • The Pickett County Bank and Trust Company in Byrdstown, Tennessee (TN)
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The Pickett County Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 8656
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank of the Cumberlands (#1704)
    Federal Reserve ID: 677336
    Date Established: September 01, 1904
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 10619
    FDIC's unique #: 5519
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 1995
    Last Structure Change Process Date: June 28, 1995
    Last Data Update: June 28, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: West Main Street, Byrdstown, TN 38549
    County: Pickett
    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
  • Financial Summary
  • Total assets: $24.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $9Total assets
  • $24,412Cash and due from depository institutions
  • $1,581Interest-bearing balances
  • $203Securities
  • $7,156Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $14,860Loan loss allowance
  • $451Trading account assets
  • $0Bank premises and fixed assets
  • $271Other real estate owned
  • $40Goodwill and other intangibles
  • $504Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $24,412Total liabilities
  • $22,960Total deposits
  • $21,339Interest-bearing deposits
  • $19,232Deposits held in domestic offices
  • 21339.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $850Trading liabilities
  • $0Other borrowed funds
  • $500Subordinated debt
  • $0All other liabilities
  • $271Total equity capital
  • $271Total bank equity capital
  • $1,452Perpetual preferred stock
  • $0Common stock
  • $625Surplus
  • $1,530Undivided profits
  • Memoranda
  • $-703Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11Income earned, not collected on loans
  • $205Earning assets
  • $22,219Long-term assets (5+ years)
  • $3,950Average Assets, year-to-date
  • $24,387Average Assets, quarterly
  • $24,110Volatile liabilities
  • $4,191Insider loans
  • $253FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,208Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,523Total risk weighted assets
  • $13,858Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,719Total interest expense
  • $704Net interest income
  • $1,015Provision for loan and lease losses
  • $0Total noninterest income
  • $87Fiduciary activities
  • $0Service charges on deposit accounts
  • $58Trading account gains & fees
  • $0Additional noninterest income
  • $29Total noninterest expense
  • $582Salaries and employee benefits
  • $271Premises and equipment expense
  • $66Additional noninterest expense
  • $245Pre-tax net operating income
  • $520Securities gains (losses)
  • -$3Applicable income taxes
  • $180Income before extraordinary items
  • $337Extraordinary gains - net
  • $0Net income attributable to bank
  • $337Net charge-offs
  • -$25Cash dividends
  • $308Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.59%Cost of funding earning assets
  • 3.11%Net interest margin
  • 4.48%Noninterest income to earning assets
  • 0.38%Noninterest expense to earning assets
  • 2.57%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 2.12%Return on equity (ROE)
  • 22.01%Retained earnings to average equity (YTD only)
  • 1.89%Net charge-offs to loans
  • -0.18%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 52,813Assets per employee
  • 2.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.39%Loss allowance to loans
  • 2.95%Loss allowance to noncurrent loans
  • 4100.00%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 69.64%Net loans and leases to core deposits
  • 80.33%Equity capital to assets
  • 5.95%Core capital (leverage) ratio
  • 6.32%Tier 1 risk-based capital ratio
  • 10.99%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $24,387Average earning assets
  • $1,531Average equity
  • $22,661Average loans

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