Citizens Union Bank in Rogersville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 23, 1993

  • Citizens Union Bank in Rogersville, Tennessee (TN)
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Citizens Union Bank - Overview

  • General
  • FDIC Certificate #: 13776
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Union National Bank of Tennessee (#19879)
    Federal Reserve ID: 830038
    Date Established: January 01, 1887
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    FDIC's unique #: 8614
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 23, 1993
    Last Structure Change Process Date: June 30, 1993
    Last Data Update: June 30, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 107 Main Street, Rogersville, TN 37857
    County: Hawkins
    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): Johnson City-Kingsport-Bristol, TN-VA (#3660)
    Combined Statistical Area (CSA): Johnson City-Kingsport-Bristol (Tri-Cities), TN-VA (#304)
    Core Based Statistical Area (CBSA): Kingsport-Bristol-Bristol, TN-VA (#28700)
    CBSA Metro Statistical Area: Kingsport-Bristol-Bristol, TN-VA (#28700)
  • Financial Summary
  • Total assets: $245.3 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $96Total assets
  • $239,231Cash and due from depository institutions
  • $18,025Interest-bearing balances
  • $10,000Securities
  • $42,907Federal funds sold & reverse repurchase agreements
  • $61,100Net loans & leases
  • $110,355Loan loss allowance
  • $1,328Trading account assets
  • $0Bank premises and fixed assets
  • $5,277Other real estate owned
  • $188Goodwill and other intangibles
  • $1,379Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $239,231Total liabilities
  • $215,667Total deposits
  • $207,613Interest-bearing deposits
  • $182,454Deposits held in domestic offices
  • 207613.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $4,156Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $3,898Total equity capital
  • $3,898Total bank equity capital
  • $23,564Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $5,000Undivided profits
  • Memoranda
  • $17,564Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,123Income earned, not collected on loans
  • $1,161Earning assets
  • $224,362Long-term assets (5+ years)
  • $17,236Average Assets, year-to-date
  • $231,455Average Assets, quarterly
  • $235,382Volatile liabilities
  • $34,901Insider loans
  • $28FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $12,244Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,564Total risk weighted assets
  • $109,852Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $16,612Total interest expense
  • $8,470Net interest income
  • $8,142Provision for loan and lease losses
  • $200Total noninterest income
  • $1,146Fiduciary activities
  • $0Service charges on deposit accounts
  • $504Trading account gains & fees
  • $0Additional noninterest income
  • $642Total noninterest expense
  • $4,847Salaries and employee benefits
  • $2,355Premises and equipment expense
  • $675Additional noninterest expense
  • $1,817Pre-tax net operating income
  • $4,241Securities gains (losses)
  • $1,371Applicable income taxes
  • $2,278Income before extraordinary items
  • $3,334Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,334Net charge-offs
  • $404Cash dividends
  • $1,254Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.68%Cost of funding earning assets
  • 3.92%Net interest margin
  • 3.76%Noninterest income to earning assets
  • 0.53%Noninterest expense to earning assets
  • 2.24%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 2.42%Return on equity (ROE)
  • 14.96%Retained earnings to average equity (YTD only)
  • 9.34%Net charge-offs to loans
  • 0.37%Credit loss provision to net charge-offs
  • 49.50%Efficiency ratio
  • 52,186Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.61%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 42.52%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 2.80%Net loans and leases to deposits
  • 53.15%Net loans and leases to core deposits
  • 62.39%Equity capital to assets
  • 9.85%Core capital (leverage) ratio
  • 10.02%Tier 1 risk-based capital ratio
  • 21.45%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $231,455Average earning assets
  • $22,280Average equity
  • $216,325Average loans

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