Tri-State Bank of Memphis in Memphis, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Tri-State Bank of Memphis in Memphis, Tennessee (TN)
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Tri-State Bank of Memphis - Overview

  • General
  • FDIC Certificate #: 16511
    Status: Active
    Federal Reserve ID: 515054
    Date Established: December 16, 1946
    WWW: http://www.tristatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 10666
    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: December 16, 1946
    Last Structure Change Effective Date: December 12, 2007
    Last Structure Change Process Date: December 12, 2007
    Last Data Update: December 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 180 South Main Street At Beale, Memphis, TN 38101
    County: Shelby
    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
    Metropolitan Statistical Area (MSA): Memphis, TN-AR-MS (#4920)
    Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
    CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
  • Financial Summary
  • Total assets: $125.7 mil
    Equity capital: $17.0 mil
    Deposits held in domestic offices: $103.8 mil
    Return on assets (ROA): -0.50% (-$0.6 mil)
    Quarterly return on assets: -0.57% (-$0.7 mil)
    Return on Equity (ROE): -3.58% (-$0.6 mil)
    Quarterly return on equity: -4.25% (-$0.7 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -1.24% (-$1,558.2 mil)
    Quarterly Pretax return on assets: -3.47% (-$4,360.5 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
  • 53Total employees (full-time equivalent)
  • $125,663Total assets
  • $6,822Cash and due from depository institutions
  • $1,099Interest-bearing balances
  • $30,255Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $78,945Net loans & leases
  • $1,515Loan loss allowance
  • $0Trading account assets
  • $1,566Bank premises and fixed assets
  • $847Other real estate owned
  • $0Goodwill and other intangibles
  • $125,663Life insurance assets
  • $6,728All other assets
  • $108,655Total liabilities and capital
  • $103,770Total liabilities
  • $86,498Total deposits
  • $103,770Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $885Subordinated debt
  • $17,008All other liabilities
  • $17,008Total equity capital
  • $17,008Total bank equity capital
  • $3,109Perpetual preferred stock
  • $1,101Common stock
  • $2,202Surplus
  • $10,596Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,089Income earned, not collected on loans
  • $0Earning assets
  • $651Long-term assets (5+ years)
  • $110,799Average Assets, year-to-date
  • $45,613Average Assets, quarterly
  • $125,559Volatile liabilities
  • $128,303Insider loans
  • $92,559FHLB advances
  • $128,622Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,479Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,913Restructured Loans and leases
  • $2,463Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,586Total interest income
  • $489Total interest expense
  • $5,097Net interest income
  • $2,154Provision for loan and lease losses
  • $1,602Total noninterest income
  • $0Fiduciary activities
  • $807Service charges on deposit accounts
  • $0Trading account gains & fees
  • $795Additional noninterest income
  • $6,104Total noninterest expense
  • $2,900Salaries and employee benefits
  • $470Premises and equipment expense
  • $2,734Additional noninterest expense
  • -$1,559Pre-tax net operating income
  • $2Securities gains (losses)
  • -$933Applicable income taxes
  • -$624Income before extraordinary items
  • $0Extraordinary gains - net
  • -$624Net income attributable to bank
  • $0Net charge-offs
  • -$624Cash dividends
  • $2,539Sale, conversion, retirement of capital stock, net
  • $56Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.59%Net interest margin
  • 1.44%Noninterest income to earning assets
  • 5.50%Noninterest expense to earning assets
  • -0.50%Net operating income to assets
  • -0.50%Return on assets (ROA)
  • -1.24%Pretax return on assets
  • -3.58%Return on equity (ROE)
  • -3.90%Retained earnings to average equity (YTD only)
  • 3.05%Net charge-offs to loans
  • 84.84%Credit loss provision to net charge-offs
  • 0.23%Efficiency ratio
  • 91,118Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -8.97%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 12.53%Noncurrent assets plus other real estate owned to assets
  • 10.29%Noncurrent loans to loans
  • 15.02%Net loans and leases to deposits
  • 76.08%Net loans and leases to core deposits
  • 105.00%Equity capital to assets
  • 13.53%Core capital (leverage) ratio
  • 12.81%Tier 1 risk-based capital ratio
  • 17.80%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $125,559Average earning assets
  • $17,420Average equity
  • $111,051Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4,501Managed Assets
  • 1Number 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
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 677Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,501Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010666Tri-State Bank Of Memphis180 South Main Street At Beale, Memphis, TN 38101December 16, 1946Full Service Brick and Mortar
    1238230South Memphis Branch2240 Elvis Presley Boulevard, Memphis, TN 38106May 17, 1965Full Service Brick and Mortar
    3238232Lamar-Airways Branch2267 Lamar Avenue, Memphis, TN 38114Febuary 05, 1990Full Service Brick and Mortar
    4238233Whitehaven Branch4606 Elvis Presley Boulevard, Memphis, TN 38116June 27, 1994Full Service Brick and Mortar

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