Citizens Tri-County Bank in Dunlap, Tennessee (TN)

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Citizens Tri-County Bank
GeneralFDIC Certificate #: 20818
Status: Active
Federal Reserve ID: 162337
Bank Holding Company (Regulatory Top Holder): Sequatchie Valley Bancshares, Inc. (RSSDID: 1085330, Location: Dunlap, TN)
Date Established: October 02, 1972
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 22 (Domestic: 22, Interstate: No)
OTS Docket #: 9076
FDIC's unique #: 14382
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: October 02, 1972
Last Structure Change Effective Date: July 18, 2011
Last Structure Change Process Date: August 09, 2011
Last Data Update: August 09, 2011
Data Source Date: April 05, 2012
LocationAddress: 15699 Rankin Avenue, Dunlap, TN 37327
County: Sequatchie
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
Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $568.5 mil
Equity capital: $61.1 mil
Deposits held in domestic offices: $503.4 mil
Return on assets (ROA): 0.67% ($3.8 mil)
Quarterly return on assets: 0.52% ($3.0 mil)
Return on Equity (ROE): 6.41% ($3.9 mil)
Quarterly return on equity: 4.79% ($2.9 mil)
Net income: $3.6 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.72% ($4,092.9 mil)
Quarterly Pretax return on assets: 0.56% ($3,183.4 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)228
Total assets$568,463
Cash and due from depository institutions$52,529
Interest-bearing balances$6,883
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$303,308
Loan loss allowance $6,471
Trading account assets$0
Bank premises and fixed assets$14,093
Other real estate owned$10,614
Goodwill and other intangibles$6,289
All other assets$21,082
Life insurance assets$568,463
Total liabilities and capital$507,333
Total liabilities$503,370
Total deposits$432,273
Interest-bearing deposits$503,370
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,963
All other liabilities $61,130
Total equity capital$61,130
Total bank equity capital$61,130
Perpetual preferred stock$0
Common stock$200
Undivided profits $37,930
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 $17,825
Earning assets $0
Long-term assets (5+ years) $3,433
Average Assets, year-to-date $470,739
Average Assets, quarterly $116,823
Volatile liabilities $537,122
Insider loans $568,286
FHLB advances $339,882
Loans and leases held for sale $565,252
Unused loan commitments $8,633
Tier 1 (core) risk-based capital $8,633
Tier 2 risk-based capital $50,894
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $28,880
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $27,012
Total interest expense $5,618
Net interest income $21,394
Provision for loan and lease losses $4,335
Total noninterest income $3,675
Fiduciary activities $0
Service charges on deposit accounts $4,628
Trading account gains & fees $0
Additional noninterest income -$953
Total noninterest expense $16,893
Salaries and employee benefits $8,390
Premises and equipment expense $2,399
Additional noninterest expense $6,104
Pre-tax net operating income $3,841
Securities gains (losses) $0
Applicable income taxes $230
Income before extraordinary items $3,611
Extraordinary gains - net $0
Net income attributable to bank $3,611
Net charge-offs $0
Cash dividends $3,611
Sale, conversion, retirement of capital stock, net $5,114
Net operating income $2,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.13%
Cost of funding earning assets 1.27%
Net interest margin 4.85%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 3.83%
Net operating income to assets 0.67%
Return on assets (ROA) 0.67%
Pretax return on assets 0.72%
Return on equity (ROE) 6.41%
Retained earnings to average equity (YTD only) 1.80%
Net charge-offs to loans 1.66%
Credit loss provision to net charge-offs 84.77%
Efficiency ratio1.60%
Assets per employee$66,345
Cash dividends to net income (YTD only)2.49%
Condition Ratios (%)
Loss allowance to loans 72.00%
Loss allowance to noncurrent loans 2.09%
Noncurrent assets plus other real estate owned to assets 36.30%
Noncurrent loans to loans 5.00%
Net loans and leases to deposits5.75%
Net loans and leases to core deposits 60.26%
Equity capital to assets 63.70%
Core capital (leverage) ratio 10.75%
Tier 1 risk-based capital ratio 9.00%
Total risk-based capital ratio 14.97%
Average assets$16
Average earning assets$537,122
Average equity $56,291
Average loans $440,958
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$501
Number of Accounts1
Personal trust and agency accounts$501
Employee benefit-defined contribution accounts$501
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts96
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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22 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
014382Citizens Tri-County Bank15699 Rankin Avenue, Dunlap, TN 37327October 02, 1972Full Service Brick and Mortar
1251727South Dunlap Motor BranchState Highway 28 And Us Highway 127, Dunlap, TN 37327May 31, 1977Limited Service Facility
215170Bledsoe Branch3468 Main St., Pikeville, TN 37367January 06, 1975Full Service Brick and Mortar
3222911Altamont Branch1548 Main Street, Altamont, TN 37301July 24, 1974Full Service Brick and Mortar
4222912Palmer Branch711 Main St., Palmer, TN 37365October 21, 1977Full Service Brick and Mortar
5222913Tracy City BranchOak And Colyar Streets, Tracy City, TN 37387November 21, 1977Full Service Brick and Mortar
6251728Whitwell Branch14087 Highway 28 North, Whitwell, TN 37397May 09, 1994Full Service Brick and Mortar
7278408South Pittsburg Branch402 Cedar Avenue, South Pittsburg, TN 37380January 01, 1938Full Service Brick and Mortar
8251729Jasper Branch4765 Main Street, Jasper, TN 37347Febuary 05, 1999Full Service Brick and Mortar
9334312Signal Mountain Branch1306 Taft Highway, Signal Mountain, TN 37377March 13, 2000Full Service Brick and Mortar
103310Tracy City Branch416 Railroad Avenue, Tracy City, TN 37387July 18, 1904Full Service Brick and Mortar
12427125Industrial Motor Branch36 Resource Road, Industrial Park, Dunlap, TN 37327April 05, 2004Limited Service Facility
13430463Soddy Daisy Branch8575 Dayton Pike, Soddy Daisy, TN 37379August 02, 2004Full Service Brick and Mortar
1414321Warren Branch101 West Main Street, Mcminnville, TN 37110July 03, 1972Full Service Brick and Mortar
15251620Plaza Branch32 Mcminnville Shopping Center, Mcminnville, TN 37110August 25, 1975Full Service Brick and Mortar
16444994Monteagle Branch80 East Main Street, Monteagle, TN 37356October 11, 2005Full Service Brick and Mortar
17451140Citizens Tri-County Bank Mount Leo B900 Beersheba Highway, Mc Minnville, TN 37110May 01, 2006Limited Service Facility
183311Tullahoma Branch201 N Jackson St, Tullahoma, TN 37388January 11, 1884Full Service Brick and Mortar
19205855West Lincoln Street Branch501 West Lincoln Street, Tullahoma, TN 37388January 22, 1965Full Service Brick and Mortar
20205860Kings Lane Branch701 Kings Lane, Tullahoma, TN 37388September 29, 1995Limited Service Facility
21473476Coalmont Branch25709 State Route 56, Coalmont, TN 37313March 17, 2008Limited Service Facility
224115Spencer Branch489 Spring Street, Spencer, TN 38585January 01, 1914Full Service Brick and Mortar
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