Trust Company Bank in Mason, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Trust Company Bank in Mason, Tennessee (TN)
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Trust Company Bank routing number info

Trust Company Bank - Overview

  • General
  • FDIC Certificate #: 9956
    Status: Active
    Federal Reserve ID: 450650
    Bank Holding Company (Regulatory Top Holder): Heritage Bancorp, Inc. (RSSDID: 3551361, Location: Mason, TN)
    Date Established: January 01, 1902
    WWW: http://www.trustcompanybanktn.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6363
    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: January 01, 1934
    Last Structure Change Effective Date: October 22, 2010
    Last Structure Change Process Date: December 06, 2010
    Last Data Update: December 06, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 327 Highway 70 West, Mason, TN 38049
    County: Tipton
    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)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $36.5 mil
    Equity capital: $4.7 mil
    Deposits held in domestic offices: $30.8 mil
    Return on assets (ROA): -1.96% (-$0.7 mil)
    Quarterly return on assets: 0.01% ($0.0 mil)
    Return on Equity (ROE): -14.03% (-$0.7 mil)
    Quarterly return on equity: 0.09% ($0.0 mil)
    Net income: -$0.7 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -3.24% (-$1,184.2 mil)
    Quarterly Pretax return on assets: -1.81% (-$661.5 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
  • 21Total employees (full-time equivalent)
  • $36,548Total assets
  • $3,711Cash and due from depository institutions
  • $3,004Interest-bearing balances
  • $1,576Securities
  • $1,550Federal funds sold & reverse repurchase agreements
  • $24,910Net loans & leases
  • $360Loan loss allowance
  • $0Trading account assets
  • $2,025Bank premises and fixed assets
  • $0Other real estate owned
  • $1,012Goodwill and other intangibles
  • $36,548Life insurance assets
  • $1,764All other assets
  • $31,868Total liabilities and capital
  • $30,762Total liabilities
  • $26,444Total deposits
  • $30,762Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $106Subordinated debt
  • $4,680All other liabilities
  • $4,680Total equity capital
  • $4,680Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $5,738Surplus
  • $-1,108Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $748Income earned, not collected on loans
  • $0Earning assets
  • $128Long-term assets (5+ years)
  • $31,040Average Assets, year-to-date
  • $6,456Average Assets, quarterly
  • $34,221Volatile liabilities
  • $36,074Insider loans
  • $27,061FHLB advances
  • $34,552Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,413Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,529Restructured Loans and leases
  • $1,017Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,694Total interest income
  • $347Total interest expense
  • $1,347Net interest income
  • $231Provision for loan and lease losses
  • $380Total noninterest income
  • $0Fiduciary activities
  • $130Service charges on deposit accounts
  • $0Trading account gains & fees
  • $250Additional noninterest income
  • $2,605Total noninterest expense
  • $1,170Salaries and employee benefits
  • $242Premises and equipment expense
  • $1,193Additional noninterest expense
  • -$1,109Pre-tax net operating income
  • $0Securities gains (losses)
  • -$439Applicable income taxes
  • -$670Income before extraordinary items
  • $0Extraordinary gains - net
  • -$670Net income attributable to bank
  • $0Net charge-offs
  • -$670Cash dividends
  • $64Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.60%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 8.91%Noninterest expense to earning assets
  • -1.96%Net operating income to assets
  • -1.96%Return on assets (ROA)
  • -3.24%Pretax return on assets
  • -14.03%Return on equity (ROE)
  • -14.03%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 360.94%Credit loss provision to net charge-offs
  • -13.72%Efficiency ratio
  • 149,334Assets per employee
  • 1.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 48.13%Noncurrent assets plus other real estate owned to assets
  • 2.05%Noncurrent loans to loans
  • 2.96%Net loans and leases to deposits
  • 80.98%Net loans and leases to core deposits
  • 89.01%Equity capital to assets
  • 12.81%Core capital (leverage) ratio
  • 9.88%Tier 1 risk-based capital ratio
  • 12.61%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $34,221Average earning assets
  • $4,774Average equity
  • $29,252Average loans

List of branches

  • 3 Tennessee Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06363Trust Company Bank327 Highway 70 West, Mason, TN 38049January 01, 1902Full Service Brick and Mortar
    1489380Old Highway 51 South Branch1270 Old Highway 51 South, Brighton, TN 38011March 09, 2009Full Service Brick and Mortar
    2494992North Parkway Branch385 North Parkway, Jackson, TN 38305September 28, 2009Full Service Brick and Mortar

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