Citizens Bank & Trust Company in Atwood, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 6100
    Status: Active
    Federal Reserve ID: 321152
    Bank Holding Company (Regulatory Top Holder): Bumpushares, Inc. (RSSDID: 1823550, Location: Atwood, TN)
    Date Established: Febuary 05, 1927
    WWW: http://www.citizensbankatwood.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 4122
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1359 West Main Street, Atwood, TN 38220
    County: Carroll
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $26.4 mil
    Equity capital: $2.2 mil
    Deposits held in domestic offices: $24.0 mil
    Return on assets (ROA): 0.62% ($0.2 mil)
    Quarterly return on assets: 0.11% ($0.0 mil)
    Return on Equity (ROE): 7.35% ($0.1 mil)
    Quarterly return on equity: 1.25% ($0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.63% ($166.4 mil)
    Quarterly Pretax return on assets: -0.08% (-$21.1 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
  • 6Total employees (full-time equivalent)
  • $26,412Total assets
  • $1,158Cash and due from depository institutions
  • $0Interest-bearing balances
  • $8,500Securities
  • $3,000Federal funds sold & reverse repurchase agreements
  • $13,102Net loans & leases
  • $138Loan loss allowance
  • $0Trading account assets
  • $323Bank premises and fixed assets
  • $23Other real estate owned
  • $0Goodwill and other intangibles
  • $26,412Life insurance assets
  • $306All other assets
  • $24,183Total liabilities and capital
  • $24,046Total liabilities
  • $21,287Total deposits
  • $24,046Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15Trading liabilities
  • $0Other borrowed funds
  • $122Subordinated debt
  • $2,229All other liabilities
  • $2,229Total equity capital
  • $2,229Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $50Surplus
  • $2,129Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $232Income earned, not collected on loans
  • $0Earning assets
  • $132Long-term assets (5+ years)
  • $24,602Average Assets, year-to-date
  • $1,161Average Assets, quarterly
  • $26,197Volatile liabilities
  • $26,215Insider loans
  • $13,870FHLB advances
  • $26,512Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,229Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $153Restructured Loans and leases
  • $327Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,017Total interest income
  • $282Total interest expense
  • $735Net interest income
  • $54Provision for loan and lease losses
  • $148Total noninterest income
  • $0Fiduciary activities
  • $120Service charges on deposit accounts
  • $0Trading account gains & fees
  • $28Additional noninterest income
  • $717Total noninterest expense
  • $399Salaries and employee benefits
  • $74Premises and equipment expense
  • $244Additional noninterest expense
  • $112Pre-tax net operating income
  • $54Securities gains (losses)
  • $4Applicable income taxes
  • $162Income before extraordinary items
  • $0Extraordinary gains - net
  • $162Net income attributable to bank
  • $0Net charge-offs
  • $162Cash dividends
  • $22Sale, conversion, retirement of capital stock, net
  • $80Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.01%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 7.35%Return on equity (ROE)
  • 3.72%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 245.45%Credit loss provision to net charge-offs
  • 7.55%Efficiency ratio
  • 81,200Assets per employee
  • 4.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.38%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 59.48%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 54.49%Net loans and leases to core deposits
  • 58.80%Equity capital to assets
  • 8.44%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 16.07%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $26,197Average earning assets
  • $2,203Average equity
  • $24,419Average loans

List of branches

  • 1 Tennessee Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04122Citizens Bank & Trust Company1359 West Main Street, Atwood, TN 38220Febuary 05, 1927Full Service Brick and Mortar

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