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
No
ID
Name
Address
Established
Service Type
Map
0
4122
Citizens Bank & Trust Company
1359 West Main Street, Atwood, TN 38220
Febuary 05, 1927
Full Service Brick and Mortar
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