Citizens National Bank in Sevierville, Tennessee (TN)

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Citizens National Bank
GeneralFDIC Certificate #: 20954
Status: Active
Federal Reserve ID: 717737
Bank Holding Company (Regulatory Top Holder): Cnb Bancshares, Inc. (RSSDID: 1086270, Location: Sevierville, TN)
Date Established: Febuary 05, 1973
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 18 (Domestic: 18, Interstate: No)
OTS Docket #: 10476
FDIC's unique #: 14470
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 05, 1973
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
LocationAddress: 200 Forks Of River Parkway, Sevierville, TN 37862
County: Sevier
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): Sevierville, TN (#42940)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $859.8 mil
Equity capital: $83.0 mil
Deposits held in domestic offices: $676.2 mil
Return on assets (ROA): 1.16% ($10.0 mil)
Quarterly return on assets: 1.34% ($11.5 mil)
Return on Equity (ROE): 12.61% ($10.5 mil)
Quarterly return on equity: 13.79% ($11.4 mil)
Net income: $9.8 mil
Quarterly Net income: $2.8 mil
Pretax return on assets: 1.23% ($10,575.9 mil)
Quarterly Pretax return on assets: 1.43% ($12,295.5 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)
Total employees (full-time equivalent)199
Total assets$859,826
Cash and due from depository institutions$78,006
Interest-bearing balances$58,553
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$576,049
Loan loss allowance $9,323
Trading account assets$0
Bank premises and fixed assets$13,574
Other real estate owned$23,380
Goodwill and other intangibles$0
All other assets$36,764
Life insurance assets$859,826
Total liabilities and capital$776,857
Total liabilities$676,219
Total deposits$613,268
Interest-bearing deposits$676,219
Deposits held in domestic offices$81
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$91,607
Other borrowed funds $0
Subordinated debt $9,031
All other liabilities $82,969
Total equity capital$82,969
Total bank equity capital$82,969
Perpetual preferred stock$0
Common stock$700
Undivided profits $59,169
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,755
Earning assets $0
Long-term assets (5+ years) $2,958
Average Assets, year-to-date $766,655
Average Assets, quarterly $166,905
Volatile liabilities $847,397
Insider loans $843,863
FHLB advances $620,100
Loans and leases held for sale $831,804
Unused loan commitments $14,967
Tier 1 (core) risk-based capital $9,226
Tier 2 risk-based capital $80,537
Total risk weighted assets $0
Total unused commitments $5,741
Restructured Loans and leases $58,954
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $37,973
Total interest expense $11,963
Net interest income $26,010
Provision for loan and lease losses $1,207
Total noninterest income $4,472
Fiduciary activities $0
Service charges on deposit accounts $2,304
Trading account gains & fees $0
Additional noninterest income $2,168
Total noninterest expense $20,032
Salaries and employee benefits $10,127
Premises and equipment expense $3,466
Additional noninterest expense $6,439
Pre-tax net operating income $9,243
Securities gains (losses) $1,211
Applicable income taxes $607
Income before extraordinary items $9,847
Extraordinary gains - net $0
Net income attributable to bank $9,847
Net charge-offs $0
Cash dividends $9,847
Sale, conversion, retirement of capital stock, net $894
Net operating income $4,389
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.00%
Cost of funding earning assets 1.57%
Net interest margin 3.42%
Noninterest income to earning assets 0.59%
Noninterest expense to earning assets 2.64%
Net operating income to assets 1.03%
Return on assets (ROA) 1.16%
Pretax return on assets 1.23%
Return on equity (ROE) 12.61%
Retained earnings to average equity (YTD only) 6.99%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 135.01%
Efficiency ratio11.69%
Assets per employee$65,717
Cash dividends to net income (YTD only)4.32%
Condition Ratios (%)
Loss allowance to loans 44.57%
Loss allowance to noncurrent loans 1.59%
Noncurrent assets plus other real estate owned to assets 338.40%
Noncurrent loans to loans 3.04%
Net loans and leases to deposits0.47%
Net loans and leases to core deposits 85.19%
Equity capital to assets 98.06%
Core capital (leverage) ratio 9.65%
Tier 1 risk-based capital ratio 9.68%
Total risk-based capital ratio 12.99%
Average assets$14
Average earning assets$847,397
Average equity $78,108
Average loans $759,694
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18 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
014470Citizens National Bank200 Forks Of River Parkway, Sevierville, TN 37862Febuary 05, 1973Full Service Brick and Mortar
1251939Pigeon Forge Branch2661 Parkway, Pigeon Forge, TN 37863September 30, 1974Full Service Brick and Mortar
2251940Kodak Branch3014 Winfield Dunn Parkway, Kodak, TN 37764November 15, 1976Full Service Brick and Mortar
3251941Dolly Parton Parkway Branch801 Dolly Parton Parkway, Sevierville, TN 37862Febuary 22, 1983Full Service Brick and Mortar
4251942Gatlinburg Branch906 E Pkwy, Gatlinburg, TN 37738December 30, 1985Full Service Brick and Mortar
5232182Seymour Office Branch10225 S Chapman Hwy, Seymour, TN 37865December 16, 1968Full Service Brick and Mortar
6251943Walmart Supercenter Branch1414 Parkway, Sevierville, TN 37862September 11, 1995Full Service Retail
7259961Pigeon Forge Branch220 Wears Valley Road, Pigeon Forge, TN 37863October 29, 1995Full Service Retail
9259989Seymour Kroger Branch10721 Chapman Highway, Seymour, TN 37865October 31, 1997Full Service Retail
10357845Downtown Gatlinburg Branch110 Cherokee Orchard Rd, Gatlinburg, TN 37738June 28, 2000Full Service Brick and Mortar
11364372Sevierville Kroger Branch702 Winfield Dunn Pkwy, Sevierville, TN 37862December 14, 2001Full Service Retail
13424207Sevierville Food City Branch741 Dolly Parton Parkway, Sevierville, TN 37862October 29, 2003Full Service Retail
14427188South Knoxville Walmart Branch7420 Chapman Highway, Knoxville, TN 37920March 17, 2004Full Service Retail
16439759Dandridge Branch720 South Highway 92, Dandridge, TN 37725January 31, 2005Full Service Brick and Mortar
18446939Jefferson City Branch1507 O'dell Ave, Jefferson City, TN 37760December 16, 2005Full Service Retail
19466501Strawberry Plains Branch813 Huckleberry Lane, Knoxville, TN 37924June 11, 2007Full Service Brick and Mortar
20476652Kodak Food City Branch2946 Winfield Dunn Parkway, Kodak, TN 37764Febuary 20, 2008Full Service Retail
22479856White Pine Branch2002 Walnut Street, White Pine, TN 37890March 31, 2008Full Service Brick and Mortar
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