Andrew Johnson Bank in Greeneville, Tennessee (TN)

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Andrew Johnson Bank
GeneralFDIC Certificate #: 22015
Status: Active
Federal Reserve ID: 361439
Bank Holding Company (Regulatory Top Holder): Andrew Johnson Bancshares, Inc. (RSSDID: 1083185, Location: Greeneville, TN)
Date Established: May 12, 1975
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 12280
FDIC's unique #: 15272
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: May 12, 1975
Last Structure Change Effective Date: January 28, 2009
Last Structure Change Process Date: Febuary 19, 2009
Last Data Update: Febuary 19, 2009
Data Source Date: April 05, 2012
LocationAddress: 124 North Main Street, Greeneville, TN 37743
County: Greene
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
Core Based Statistical Area (CBSA): Greeneville, TN (#24620)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Location
Financial SummaryTotal assets: $267.9 mil
Equity capital: $24.0 mil
Deposits held in domestic offices: $242.8 mil
Return on assets (ROA): 0.60% ($1.6 mil)
Quarterly return on assets: 0.70% ($1.9 mil)
Return on Equity (ROE): 7.11% ($1.7 mil)
Quarterly return on equity: 7.99% ($1.9 mil)
Net income: $1.6 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.94% ($2,518.4 mil)
Quarterly Pretax return on assets: 1.13% ($3,027.4 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)91
Total assets$267,915
Cash and due from depository institutions$8,525
Interest-bearing balances$5,577
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$220,379
Loan loss allowance $3,360
Trading account assets$0
Bank premises and fixed assets$6,183
Other real estate owned$2,342
Goodwill and other intangibles$120
All other assets$3,485
Life insurance assets$267,915
Total liabilities and capital$243,941
Total liabilities$242,808
Total deposits$224,068
Interest-bearing deposits$242,808
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$62
Other borrowed funds $0
Subordinated debt $1,071
All other liabilities $23,974
Total equity capital$23,974
Total bank equity capital$23,974
Perpetual preferred stock$500
Common stock$549
Undivided profits $20,438
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 $3,222
Earning assets $0
Long-term assets (5+ years) $1,037
Average Assets, year-to-date $252,837
Average Assets, quarterly $30,277
Volatile liabilities $267,918
Insider loans $269,708
FHLB advances $190,836
Loans and leases held for sale $267,918
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $23,396
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,347
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,765
Total interest expense $2,419
Net interest income $12,346
Provision for loan and lease losses $2,292
Total noninterest income $2,006
Fiduciary activities $0
Service charges on deposit accounts $611
Trading account gains & fees $0
Additional noninterest income $1,395
Total noninterest expense $9,546
Salaries and employee benefits $4,935
Premises and equipment expense $1,538
Additional noninterest expense $3,073
Pre-tax net operating income $2,514
Securities gains (losses) $0
Applicable income taxes $895
Income before extraordinary items $1,619
Extraordinary gains - net $0
Net income attributable to bank $1,619
Net charge-offs $0
Cash dividends $1,619
Sale, conversion, retirement of capital stock, net $2,191
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.82%
Cost of funding earning assets 0.95%
Net interest margin 4.87%
Noninterest income to earning assets 0.79%
Noninterest expense to earning assets 3.76%
Net operating income to assets 0.60%
Return on assets (ROA) 0.60%
Pretax return on assets 0.94%
Return on equity (ROE) 7.11%
Retained earnings to average equity (YTD only) 7.11%
Net charge-offs to loans 0.97%
Credit loss provision to net charge-offs 104.61%
Efficiency ratio2.19%
Assets per employee$66,270
Cash dividends to net income (YTD only)2.94%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 104.28%
Noncurrent loans to loans 2.08%
Net loans and leases to deposits1.44%
Net loans and leases to core deposits 90.76%
Equity capital to assets 91.95%
Core capital (leverage) ratio 8.95%
Tier 1 risk-based capital ratio 8.73%
Total risk-based capital ratio 12.26%
Average assets$14
Average earning assets$267,918
Average equity $22,779
Average loans $253,682
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9 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
015272Andrew Johnson Bank124 North Main Street, Greeneville, TN 37743May 12, 1975Full Service Brick and Mortar
1253900East By-Pass Branch1660 East Andrew Johnson Hwy., Greeneville, TN 37743March 15, 1977Full Service Brick and Mortar
2253901Snapps Ferry Road Branch905 Snapps Ferry Road, Greeneville, TN 37744July 02, 1990Full Service Brick and Mortar
3253902Southwest Branch1102 West Main Street, Greeneville, TN 37744November 07, 1994Full Service Brick and Mortar
4253903Morristown Branch435 West First North Street, Morristown, TN 37814May 13, 1996Full Service Brick and Mortar
6444981Jonesborough Branch1551 East Jackson Boulevard, Jonesborough, TN 37659October 11, 2005Full Service Brick and Mortar
7491859Andrew Johnson Bank Of Johnson City, Brown's Mill Road Branch3300 Brown's Mill Road, Johnson City, TN 37604June 29, 2009Full Service Brick and Mortar
8496003Andrew Johnson Bank Lpo217 Broad Street, Nw, Cleveland, TN 37311October 19, 2009Limited Service Loan Production
9510447Cleveland Branch555 North Ocoee Street, Cleveland, TN 37311July 14, 2010Full Service Brick and Mortar
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