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

This bank is inactive as of March 01, 1995

  • Citizens Bank & Trust Company in Wartburg, Tennessee (TN)
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Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 9182
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank of the Tennessee Valley (#4935)
    Federal Reserve ID: 502139
    Date Established: January 01, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 10638
    FDIC's unique #: 5877
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 01, 1995
    Last Structure Change Process Date: March 08, 1995
    Last Data Update: March 08, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 407 Eliza Street, Wartburg, TN 37887
    County: Morgan
    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
  • Financial Summary
  • Total assets: $61.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $36Total assets
  • $61,267Cash and due from depository institutions
  • $3,385Interest-bearing balances
  • $0Securities
  • $17,760Federal funds sold & reverse repurchase agreements
  • $3,500Net loans & leases
  • $33,242Loan loss allowance
  • $551Trading account assets
  • $0Bank premises and fixed assets
  • $884Other real estate owned
  • $439Goodwill and other intangibles
  • $1,529Life insurance assets
  • $528All other assets
  • $0Total liabilities and capital
  • $61,267Total liabilities
  • $57,190Total deposits
  • $54,675Interest-bearing deposits
  • $45,402Deposits held in domestic offices
  • 54675.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $202Trading liabilities
  • $0Other borrowed funds
  • $1,783Subordinated debt
  • $0All other liabilities
  • $530Total equity capital
  • $530Total bank equity capital
  • $4,077Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $4,540Undivided profits
  • Memoranda
  • $-563Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $652Income earned, not collected on loans
  • $268Earning assets
  • $54,502Long-term assets (5+ years)
  • $6,838Average Assets, year-to-date
  • $61,523Average Assets, quarterly
  • $61,015Volatile liabilities
  • $3,172Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $975Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,693Total risk weighted assets
  • $31,771Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,690Total interest expense
  • $1,724Net interest income
  • $2,966Provision for loan and lease losses
  • $1,428Total noninterest income
  • $629Fiduciary activities
  • $0Service charges on deposit accounts
  • $399Trading account gains & fees
  • $0Additional noninterest income
  • $230Total noninterest expense
  • $2,456Salaries and employee benefits
  • $989Premises and equipment expense
  • $281Additional noninterest expense
  • $1,186Pre-tax net operating income
  • -$289Securities gains (losses)
  • -$94Applicable income taxes
  • -$191Income before extraordinary items
  • -$192Extraordinary gains - net
  • $0Net income attributable to bank
  • -$192Net charge-offs
  • $1,498Cash dividends
  • $589Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.46%Cost of funding earning assets
  • 3.11%Net interest margin
  • 5.35%Noninterest income to earning assets
  • 1.14%Noninterest expense to earning assets
  • 4.43%Net operating income to assets
  • -0.21%Return on assets (ROA)
  • -0.31%Pretax return on assets
  • -0.62%Return on equity (ROE)
  • -4.43%Retained earnings to average equity (YTD only)
  • -18.03%Net charge-offs to loans
  • 4.27%Credit loss provision to net charge-offs
  • 95.33%Efficiency ratio
  • 65,953Assets per employee
  • 1.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -306.77%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 84.51%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 1.93%Net loans and leases to deposits
  • 60.80%Net loans and leases to core deposits
  • 64.29%Equity capital to assets
  • 6.65%Core capital (leverage) ratio
  • 6.14%Tier 1 risk-based capital ratio
  • 11.62%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $61,523Average earning assets
  • $4,332Average equity
  • $55,410Average loans

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