Community National Bank in Dayton, Tennessee (TN), GA
Overview, Financial Summary, Detailed Financial Reports, Branches

Community National Bank - Overview

  • General
  • FDIC Certificate #: 19272
    Status: Active
    Federal Reserve ID: 785932
    Date Established: November 02, 1964
    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: 6 (Domestic: 6, Interstate: Yes)
    OTS Docket #: 13129
    FDIC's unique #: 13085
    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: November 02, 1964
    Last Structure Change Effective Date: Febuary 28, 2009
    Last Structure Change Process Date: March 16, 2009
    Last Data Update: March 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1271 Market St, Dayton, TN 37321
    County: Rhea
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $215.3 mil
    Equity capital: $23.4 mil
    Deposits held in domestic offices: $188.0 mil
    Return on assets (ROA): 0.34% ($0.7 mil)
    Quarterly return on assets: 0.56% ($1.2 mil)
    Return on Equity (ROE): 3.30% ($0.8 mil)
    Quarterly return on equity: 5.28% ($1.2 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.34% ($731.9 mil)
    Quarterly Pretax return on assets: 0.56% ($1,205.4 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
  • 65Total employees (full-time equivalent)
  • $215,254Total assets
  • $27,816Cash and due from depository institutions
  • $24,527Interest-bearing balances
  • $41,008Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $130,438Net loans & leases
  • $2,676Loan loss allowance
  • $0Trading account assets
  • $4,608Bank premises and fixed assets
  • $5,323Other real estate owned
  • $0Goodwill and other intangibles
  • $215,254Life insurance assets
  • $4,061All other assets
  • $191,879Total liabilities and capital
  • $188,011Total liabilities
  • $160,611Total deposits
  • $188,011Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 655.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $713Subordinated debt
  • $23,375All other liabilities
  • $23,375Total equity capital
  • $23,375Total bank equity capital
  • $0Perpetual preferred stock
  • $1,324Common stock
  • $2,507Surplus
  • $19,544Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,210Income earned, not collected on loans
  • $0Earning assets
  • $718Long-term assets (5+ years)
  • $197,973Average Assets, year-to-date
  • $41,730Average Assets, quarterly
  • $217,932Volatile liabilities
  • $219,475Insider loans
  • $133,929FHLB advances
  • $218,282Loans and leases held for sale
  • $1,118Unused loan commitments
  • $40Tier 1 (core) risk-based capital
  • $22,890Tier 2 risk-based capital
  • $1,078Total risk weighted assets
  • $0Total unused commitments
  • $8,109Restructured Loans and leases
  • $535Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,148Total interest income
  • $1,740Total interest expense
  • $8,408Net interest income
  • $1,562Provision for loan and lease losses
  • $1,606Total noninterest income
  • $0Fiduciary activities
  • $901Service charges on deposit accounts
  • $0Trading account gains & fees
  • $705Additional noninterest income
  • $7,705Total noninterest expense
  • $3,502Salaries and employee benefits
  • $859Premises and equipment expense
  • $3,344Additional noninterest expense
  • $747Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $747Income before extraordinary items
  • $0Extraordinary gains - net
  • $747Net income attributable to bank
  • $0Net charge-offs
  • $747Cash dividends
  • $1,403Sale, conversion, retirement of capital stock, net
  • $165Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.82%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 3.30%Return on equity (ROE)
  • 2.57%Retained earnings to average equity (YTD only)
  • 1.00%Net charge-offs to loans
  • 111.33%Credit loss provision to net charge-offs
  • 1.65%Efficiency ratio
  • 76,942Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.09%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 21.92%Noncurrent assets plus other real estate owned to assets
  • 8.19%Noncurrent loans to loans
  • 9.17%Net loans and leases to deposits
  • 69.38%Net loans and leases to core deposits
  • 74.53%Equity capital to assets
  • 10.86%Core capital (leverage) ratio
  • 10.49%Tier 1 risk-based capital ratio
  • 17.09%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $217,932Average earning assets
  • $22,620Average equity
  • $201,671Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    512804Rossville Branch316 Chickamauga Avenue, Rossville, GA 30741December 13, 1963Full Service Brick and Mortar
    6246945Chattanooga Valley Branch2821 Chattanooga Valley Road, Flintstone, GA 30725July 19, 1971Full Service Brick and Mortar
    7246947Catoosa County Branch4914 Battlefield Parkway, Ringgold, GA 30736October 04, 1999Full Service Brick and Mortar
  • 3 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013085Community National Bank1271 Market St, Dayton, TN 37321November 02, 1964Full Service Brick and Mortar
    2247780Spring City Branch22400 Rhea County Highway, Spring City, TN 37381June 17, 1986Full Service Brick and Mortar
    4364449Soddy Daisy Branch10087 Dayton Pike, Soddy Daisy, TN 37379January 07, 2002Full Service Brick and Mortar

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