Citizens Community Bank in Winchester, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Community Bank - Overview

  • General
  • FDIC Certificate #: 33739
    Status: Active
    Federal Reserve ID: 2002222
    Bank Holding Company (Regulatory Top Holder): Citizens Community Bancshares, Inc. (RSSDID: 2354305, Location: Winchester, TN)
    Date Established: November 19, 1992
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11491
    FDIC's unique #: 47930
    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: November 19, 1992
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1418 Dinah Shore Boulevard, Winchester, TN 37398
    County: Franklin
    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
    Core Based Statistical Area (CBSA): Tullahoma, TN (#46100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $170.6 mil
    Equity capital: $18.8 mil
    Deposits held in domestic offices: $149.6 mil
    Return on assets (ROA): 1.06% ($1.8 mil)
    Quarterly return on assets: 1.13% ($1.9 mil)
    Return on Equity (ROE): 9.84% ($1.9 mil)
    Quarterly return on equity: 10.25% ($1.9 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.51% ($2,576.3 mil)
    Quarterly Pretax return on assets: 1.50% ($2,559.3 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
  • 45Total employees (full-time equivalent)
  • $170,618Total assets
  • $12,426Cash and due from depository institutions
  • $61Interest-bearing balances
  • $22,958Securities
  • $2,790Federal funds sold & reverse repurchase agreements
  • $118,406Net loans & leases
  • $2,265Loan loss allowance
  • $0Trading account assets
  • $2,321Bank premises and fixed assets
  • $3,052Other real estate owned
  • $0Goodwill and other intangibles
  • $170,618Life insurance assets
  • $8,665All other assets
  • $151,828Total liabilities and capital
  • $149,619Total liabilities
  • $128,819Total deposits
  • $149,619Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,209Subordinated debt
  • $18,790All other liabilities
  • $18,790Total equity capital
  • $18,790Total bank equity capital
  • $0Perpetual preferred stock
  • $1,615Common stock
  • $2,423Surplus
  • $14,752Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,503Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,773Income earned, not collected on loans
  • $0Earning assets
  • $1,812Long-term assets (5+ years)
  • $144,215Average Assets, year-to-date
  • $32,827Average Assets, quarterly
  • $169,341Volatile liabilities
  • $169,578Insider loans
  • $155,284FHLB advances
  • $170,092Loans and leases held for sale
  • $4,789Unused loan commitments
  • $4,789Tier 1 (core) risk-based capital
  • $18,244Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,138Restructured Loans and leases
  • $724Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,112Total interest income
  • $1,659Total interest expense
  • $8,453Net interest income
  • $2,205Provision for loan and lease losses
  • $566Total noninterest income
  • $0Fiduciary activities
  • $535Service charges on deposit accounts
  • $0Trading account gains & fees
  • $31Additional noninterest income
  • $4,254Total noninterest expense
  • $2,419Salaries and employee benefits
  • $468Premises and equipment expense
  • $1,367Additional noninterest expense
  • $2,560Pre-tax net operating income
  • $1Securities gains (losses)
  • $762Applicable income taxes
  • $1,799Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,799Net income attributable to bank
  • $0Net charge-offs
  • $1,799Cash dividends
  • $2,366Sale, conversion, retirement of capital stock, net
  • $925Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.89%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 5.76%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 9.84%Return on equity (ROE)
  • 4.78%Retained earnings to average equity (YTD only)
  • 1.91%Net charge-offs to loans
  • 93.20%Credit loss provision to net charge-offs
  • 2.01%Efficiency ratio
  • 47,167Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.42%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 81.68%Noncurrent assets plus other real estate owned to assets
  • 3.41%Noncurrent loans to loans
  • 2.30%Net loans and leases to deposits
  • 79.14%Net loans and leases to core deposits
  • 85.56%Equity capital to assets
  • 11.01%Core capital (leverage) ratio
  • 10.73%Tier 1 risk-based capital ratio
  • 11.75%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $169,341Average earning assets
  • $18,291Average equity
  • $146,758Average loans

List of branches

  • 3 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047930Citizens Community Bank1418 Dinah Shore Boulevard, Winchester, TN 37398November 19, 1992Full Service Brick and Mortar
    1433575Citizens Community Bank Drive-Thru F2176 Decherd Boulevard, Decherd, TN 37324December 21, 2004Limited Service Facility
    2465200Huntland Branch534 Main Street, Huntland, TN 37345June 18, 2007Full Service Brick and Mortar

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