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


  • Citizens Community Bank in Winchester, Tennessee (TN)
  • Show street view No street view available for this location
Citizens Community Bank routing number info

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
    WWW: http://www.ccbank.net
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens Community Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents