TriStar Bank in Dickson, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

TriStar Bank - Overview

  • General
  • FDIC Certificate #: 35417
    Status: Active
    Federal Reserve ID: 2871099
    Bank Holding Company (Regulatory Top Holder): Tristar Bancshares, Inc. (RSSDID: 3442795, Location: Dickson, TN)
    Date Established: January 01, 2000
    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 #: 80012
    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: January 01, 2000
    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: 719 East College Street, Dickson, TN 37055
    County: Dickson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
    Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
    Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
    CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $168.3 mil
    Equity capital: $16.3 mil
    Deposits held in domestic offices: $138.7 mil
    Return on assets (ROA): 0.88% ($1.5 mil)
    Quarterly return on assets: 0.98% ($1.6 mil)
    Return on Equity (ROE): 9.35% ($1.5 mil)
    Quarterly return on equity: 10.16% ($1.6 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.14% ($1,918.6 mil)
    Quarterly Pretax return on assets: 1.29% ($2,171.1 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
  • 48Total employees (full-time equivalent)
  • $168,301Total assets
  • $5,301Cash and due from depository institutions
  • $546Interest-bearing balances
  • $63,325Securities
  • $3,005Federal funds sold & reverse repurchase agreements
  • $83,605Net loans & leases
  • $950Loan loss allowance
  • $0Trading account assets
  • $5,888Bank premises and fixed assets
  • $576Other real estate owned
  • $757Goodwill and other intangibles
  • $168,301Life insurance assets
  • $5,844All other assets
  • $151,979Total liabilities and capital
  • $138,713Total liabilities
  • $125,552Total deposits
  • $138,713Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,300Trading liabilities
  • $0Other borrowed funds
  • $966Subordinated debt
  • $16,322All other liabilities
  • $16,322Total equity capital
  • $16,322Total bank equity capital
  • $0Perpetual preferred stock
  • $780Common stock
  • $7,024Surplus
  • $8,518Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $567Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $366Income earned, not collected on loans
  • $0Earning assets
  • $874Long-term assets (5+ years)
  • $150,481Average Assets, year-to-date
  • $59,010Average Assets, quarterly
  • $161,228Volatile liabilities
  • $168,402Insider loans
  • $105,328FHLB advances
  • $166,051Loans and leases held for sale
  • $3,537Unused loan commitments
  • $2,176Tier 1 (core) risk-based capital
  • $15,036Tier 2 risk-based capital
  • $1,153Total risk weighted assets
  • $208Total unused commitments
  • $8,587Restructured Loans and leases
  • $1,591Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,652Total interest income
  • $2,358Total interest expense
  • $5,294Net interest income
  • $335Provision for loan and lease losses
  • $1,200Total noninterest income
  • $0Fiduciary activities
  • $626Service charges on deposit accounts
  • $0Trading account gains & fees
  • $574Additional noninterest income
  • $4,733Total noninterest expense
  • $2,433Salaries and employee benefits
  • $609Premises and equipment expense
  • $1,691Additional noninterest expense
  • $1,426Pre-tax net operating income
  • $408Securities gains (losses)
  • $418Applicable income taxes
  • $1,416Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,416Net income attributable to bank
  • $0Net charge-offs
  • $1,416Cash dividends
  • $581Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.63%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 9.35%Return on equity (ROE)
  • 6.71%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 57.66%Credit loss provision to net charge-offs
  • 3.03%Efficiency ratio
  • 72,883Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.25%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 259.56%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 60.27%Net loans and leases to core deposits
  • 69.44%Equity capital to assets
  • 9.70%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 14.28%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $161,228Average earning assets
  • $15,137Average equity
  • $144,845Average loans

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    080012Tristar Bank719 East College Street, Dickson, TN 37055January 01, 2000Full Service Brick and Mortar
    2259345Kroger Branch143 Henslee Drive, Dickson, TN 37055July 30, 1993Full Service Retail
    3485227Charlotte Branch3416 Highway 48 North, Charlotte, TN 37036January 13, 2009Full Service Brick and Mortar
    4527045Pomona Branch1901 Highway 46 South, Dickson, TN 37055December 01, 2011Full Service Brick and Mortar

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