Citizens National Bank in Sevierville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Citizens National Bank in Sevierville, Tennessee (TN)
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Citizens National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 199Total employees (full-time equivalent)
  • $859,826Total assets
  • $78,006Cash and due from depository institutions
  • $58,553Interest-bearing balances
  • $132,053Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $576,049Net loans & leases
  • $9,323Loan loss allowance
  • $0Trading account assets
  • $13,574Bank premises and fixed assets
  • $23,380Other real estate owned
  • $0Goodwill and other intangibles
  • $859,826Life insurance assets
  • $36,764All other assets
  • $776,857Total liabilities and capital
  • $676,219Total liabilities
  • $613,268Total deposits
  • $676,219Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $91,607Trading liabilities
  • $0Other borrowed funds
  • $9,031Subordinated debt
  • $82,969All other liabilities
  • $82,969Total equity capital
  • $82,969Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $23,100Surplus
  • $59,169Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,755Income earned, not collected on loans
  • $0Earning assets
  • $2,958Long-term assets (5+ years)
  • $766,655Average Assets, year-to-date
  • $166,905Average Assets, quarterly
  • $847,397Volatile liabilities
  • $843,863Insider loans
  • $620,100FHLB advances
  • $831,804Loans and leases held for sale
  • $14,967Unused loan commitments
  • $9,226Tier 1 (core) risk-based capital
  • $80,537Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,741Total unused commitments
  • $58,954Restructured Loans and leases
  • $14,801Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,973Total interest income
  • $11,963Total interest expense
  • $26,010Net interest income
  • $1,207Provision for loan and lease losses
  • $4,472Total noninterest income
  • $0Fiduciary activities
  • $2,304Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,168Additional noninterest income
  • $20,032Total noninterest expense
  • $10,127Salaries and employee benefits
  • $3,466Premises and equipment expense
  • $6,439Additional noninterest expense
  • $9,243Pre-tax net operating income
  • $1,211Securities gains (losses)
  • $607Applicable income taxes
  • $9,847Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,847Net income attributable to bank
  • $0Net charge-offs
  • $9,847Cash dividends
  • $894Sale, conversion, retirement of capital stock, net
  • $4,389Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 12.61%Return on equity (ROE)
  • 6.99%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 135.01%Credit loss provision to net charge-offs
  • 11.69%Efficiency ratio
  • 65,717Assets per employee
  • 4.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.57%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 338.40%Noncurrent assets plus other real estate owned to assets
  • 3.04%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 85.19%Net loans and leases to core deposits
  • 98.06%Equity capital to assets
  • 9.65%Core capital (leverage) ratio
  • 9.68%Tier 1 risk-based capital ratio
  • 12.99%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $847,397Average earning assets
  • $78,108Average equity
  • $759,694Average loans

List of branches

  • 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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