Citizens Savings Bank and Trust Company in Nashville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Citizens Savings Bank and Trust Company in Nashville, Tennessee (TN)
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Citizens Savings Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 10319
    Status: Active
    Federal Reserve ID: 55635
    Bank Holding Company (Regulatory Top Holder): Csb&T Bancorp, Inc. (RSSDID: 3602227, Location: Nashville, TN)
    Date Established: January 04, 1904
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 6610
    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: January 01, 1934
    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: 2013 Jefferson Street, Nashville, TN 37208
    County: Davidson
    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
    Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
    Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
    Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
    CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $90.5 mil
    Equity capital: $8.5 mil
    Deposits held in domestic offices: $79.5 mil
    Return on assets (ROA): 0.21% ($0.2 mil)
    Quarterly return on assets: 0.41% ($0.4 mil)
    Return on Equity (ROE): 2.27% ($0.2 mil)
    Quarterly return on equity: 4.39% ($0.4 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.28% ($253.3 mil)
    Quarterly Pretax return on assets: 0.40% ($361.9 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
  • 26Total employees (full-time equivalent)
  • $90,482Total assets
  • $6,469Cash and due from depository institutions
  • $5,585Interest-bearing balances
  • $17,760Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $63,151Net loans & leases
  • $984Loan loss allowance
  • $0Trading account assets
  • $356Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $90,483Life insurance assets
  • $2,746All other assets
  • $81,955Total liabilities and capital
  • $79,478Total liabilities
  • $70,049Total deposits
  • $79,478Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,550Trading liabilities
  • $0Other borrowed funds
  • $927Subordinated debt
  • $8,528All other liabilities
  • $8,528Total equity capital
  • $8,528Total bank equity capital
  • $0Perpetual preferred stock
  • $2,774Common stock
  • $1,759Surplus
  • $3,995Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,327Income earned, not collected on loans
  • $0Earning assets
  • $540Long-term assets (5+ years)
  • $86,496Average Assets, year-to-date
  • $25,717Average Assets, quarterly
  • $90,180Volatile liabilities
  • $90,944Insider loans
  • $68,012FHLB advances
  • $91,719Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,278Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,405Restructured Loans and leases
  • $1,655Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,893Total interest income
  • $778Total interest expense
  • $4,115Net interest income
  • $200Provision for loan and lease losses
  • $450Total noninterest income
  • $5Fiduciary activities
  • $282Service charges on deposit accounts
  • $0Trading account gains & fees
  • $163Additional noninterest income
  • $4,114Total noninterest expense
  • $1,892Salaries and employee benefits
  • $469Premises and equipment expense
  • $1,753Additional noninterest expense
  • $251Pre-tax net operating income
  • -$3Securities gains (losses)
  • $61Applicable income taxes
  • $187Income before extraordinary items
  • $0Extraordinary gains - net
  • $187Net income attributable to bank
  • $0Net charge-offs
  • $187Cash dividends
  • $142Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.72%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.81%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 4.81%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 2.27%Return on equity (ROE)
  • 2.27%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 140.85%Credit loss provision to net charge-offs
  • 3.18%Efficiency ratio
  • 90,120Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 42.29%Noncurrent assets plus other real estate owned to assets
  • 2.57%Noncurrent loans to loans
  • 3.63%Net loans and leases to deposits
  • 79.46%Net loans and leases to core deposits
  • 169.51%Equity capital to assets
  • 9.43%Core capital (leverage) ratio
  • 9.03%Tier 1 risk-based capital ratio
  • 12.17%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $90,180Average earning assets
  • $8,220Average equity
  • $85,593Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $705Managed Assets
  • 1Number of Accounts
  • $705Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $705Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 107Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06610Citizens Savings Bank And Trust Comp2013 Jefferson Street, Nashville, TN 37208January 04, 1904Full Service Brick and Mortar
    3222273Clarksville Hwy. Branch3930 Clarksville Hwy., Nashville, TN 37218June 15, 1998Full Service Retail
    4222274Heiman Street Branch1917 Heiman Street, Nashville, TN 37208October 28, 1999Limited Service Loan Production
    5463047Memphis Branch7444 Winchester Road, Suite 105, Memphis, TN 38125May 15, 2007Full Service Brick and Mortar

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