Citizens Bank of Blount County in Maryville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank of Blount County - Overview

  • General
  • FDIC Certificate #: 21227
    Status: Active
    Federal Reserve ID: 218131
    Bank Holding Company (Regulatory Top Holder): Twin Cities Financial Services, Inc. (RSSDID: 1082478, Location: Maryville, TN)
    Date Established: September 24, 1973
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 9678
    FDIC's unique #: 14679
    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: September 24, 1973
    Last Structure Change Effective Date: October 28, 2010
    Last Structure Change Process Date: October 28, 2010
    Last Data Update: October 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 330 East Broadway, Maryville, TN 37804
    County: Blount
    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
    Metropolitan Statistical Area (MSA): Knoxville, TN (#3840)
    Combined Statistical Area (CSA): Knoxville-Sevierville-La Follette, TN (#314)
    Core Based Statistical Area (CBSA): Knoxville, TN (#28940)
    CBSA Metro Statistical Area: Knoxville, TN (#28940)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $339.6 mil
    Equity capital: $56.1 mil
    Deposits held in domestic offices: $280.8 mil
    Return on assets (ROA): 0.48% ($1.6 mil)
    Quarterly return on assets: 0.30% ($1.0 mil)
    Return on Equity (ROE): 2.86% ($1.6 mil)
    Quarterly return on equity: 1.80% ($1.0 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.76% ($2,581.0 mil)
    Quarterly Pretax return on assets: 0.75% ($2,547.0 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
  • 70Total employees (full-time equivalent)
  • $339,606Total assets
  • $52,582Cash and due from depository institutions
  • $49,955Interest-bearing balances
  • $78,052Securities
  • $926Federal funds sold & reverse repurchase agreements
  • $192,447Net loans & leases
  • $3,349Loan loss allowance
  • $0Trading account assets
  • $8,379Bank premises and fixed assets
  • $2,913Other real estate owned
  • $0Goodwill and other intangibles
  • $339,606Life insurance assets
  • $4,307All other assets
  • $283,552Total liabilities and capital
  • $280,808Total liabilities
  • $241,535Total deposits
  • $280,808Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 1880.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $864Subordinated debt
  • $56,054All other liabilities
  • $56,054Total equity capital
  • $56,054Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $900Surplus
  • $54,254Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,006Income earned, not collected on loans
  • $0Earning assets
  • $1,077Long-term assets (5+ years)
  • $321,380Average Assets, year-to-date
  • $81,646Average Assets, quarterly
  • $330,992Volatile liabilities
  • $341,679Insider loans
  • $225,542FHLB advances
  • $340,619Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $55,246Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,891Restructured Loans and leases
  • $200Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,933Total interest income
  • $2,230Total interest expense
  • $10,703Net interest income
  • $2,817Provision for loan and lease losses
  • $1,859Total noninterest income
  • $0Fiduciary activities
  • $1,008Service charges on deposit accounts
  • $0Trading account gains & fees
  • $851Additional noninterest income
  • $7,222Total noninterest expense
  • $2,922Salaries and employee benefits
  • $1,012Premises and equipment expense
  • $3,288Additional noninterest expense
  • $2,523Pre-tax net operating income
  • $0Securities gains (losses)
  • $950Applicable income taxes
  • $1,573Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,573Net income attributable to bank
  • $0Net charge-offs
  • $1,573Cash dividends
  • $4,565Sale, conversion, retirement of capital stock, net
  • $117Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 2.86%Return on equity (ROE)
  • 2.65%Retained earnings to average equity (YTD only)
  • 2.22%Net charge-offs to loans
  • 61.71%Credit loss provision to net charge-offs
  • 1.17%Efficiency ratio
  • 57,491Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.44%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 111.41%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 1.54%Net loans and leases to deposits
  • 68.53%Net loans and leases to core deposits
  • 74.96%Equity capital to assets
  • 16.51%Core capital (leverage) ratio
  • 16.22%Tier 1 risk-based capital ratio
  • 24.49%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $330,992Average earning assets
  • $55,026Average equity
  • $311,202Average loans

List of branches

  • 12 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014679Citizens Bank Of Blount County330 East Broadway, Maryville, TN 37804September 24, 1973Full Service Brick and Mortar
    1252490Midland Branch214 North Calderwood Street, Alcoa, TN 37701September 27, 1976Full Service Brick and Mortar
    2252491Fair Park Branch1819 East Broadway, Maryville, TN 37801August 14, 1978Full Service Brick and Mortar
    3252492Foothills Mall Branch205 Foothills Drive, Maryville, TN 37801January 24, 1983Full Service Brick and Mortar
    5252494Townsend Branch7729 East Lamar Alexander Parkway, Townsend, TN 37882Febuary 14, 1994Full Service Brick and Mortar
    6252495Wal-Mart #672 Branch1030 Hunters Crossing, Alcoa, TN 37701June 19, 1996Full Service Retail
    8252497Vonore Branch2041 Highway 411, Vonore, TN 37885June 10, 1998Full Service Brick and Mortar
    9363361Topside Branch2041 Topside Road, Louisville, TN 37777December 03, 2001Full Service Brick and Mortar
    10419778Peters Road Branch125 S. Peters Rd, Knoxville, TN 37923August 05, 2002Full Service Brick and Mortar
    11429948Chapman Highway Branch4000 Chapman Highway, Knoxville, TN 37920January 15, 2004Full Service Brick and Mortar
    12477834411 South Branch2307 Marketplace Drive, Maryville, TN 37801June 30, 2008Full Service Brick and Mortar
    13482377Heritage Branch2614 East Lamar Alexander Parkway, Maryville, TN 37804October 27, 2008Full Service Brick and Mortar

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