Community National Bank in Dayton, Tennessee (TN), GA



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Community National Bank
GeneralFDIC Certificate #: 19272
Status: Active
Federal Reserve ID: 785932
Date Established: November 02, 1964
WWW: http://www.cnb-usa.com
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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)65
Total assets$215,254
Cash and due from depository institutions$27,816
Interest-bearing balances$24,527
Securities$41,008
Federal funds sold & reverse repurchase agreements$2,000
Net loans & leases$130,438
Loan loss allowance $2,676
Trading account assets$0
Bank premises and fixed assets$4,608
Other real estate owned$5,323
Goodwill and other intangibles$0
All other assets$4,061
Life insurance assets$215,254
Total liabilities and capital$191,879
Total liabilities$188,011
Total deposits$160,611
Interest-bearing deposits$188,011
Deposits held in domestic offices$88
% insured (estimated)655.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,500
Other borrowed funds $0
Subordinated debt $713
All other liabilities $23,375
Total equity capital$23,375
Total bank equity capital$23,375
Perpetual preferred stock$0
Common stock$1,324
Surplus$2,507
Undivided profits $19,544
Memoranda
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 $12,210
Earning assets $0
Long-term assets (5+ years) $718
Average Assets, year-to-date $197,973
Average Assets, quarterly $41,730
Volatile liabilities $217,932
Insider loans $219,475
FHLB advances $133,929
Loans and leases held for sale $218,282
Unused loan commitments $1,118
Tier 1 (core) risk-based capital $40
Tier 2 risk-based capital $22,890
Total risk weighted assets $1,078
Total unused commitments $0
Restructured Loans and leases $8,109
Derivatives$535
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,148
Total interest expense $1,740
Net interest income $8,408
Provision for loan and lease losses $1,562
Total noninterest income $1,606
Fiduciary activities $0
Service charges on deposit accounts $901
Trading account gains & fees $0
Additional noninterest income $705
Total noninterest expense $7,705
Salaries and employee benefits $3,502
Premises and equipment expense $859
Additional noninterest expense $3,344
Pre-tax net operating income $747
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $747
Extraordinary gains - net $0
Net income attributable to bank $747
Net charge-offs $0
Cash dividends $747
Sale, conversion, retirement of capital stock, net $1,403
Net operating income $165
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.03%
Cost of funding earning assets 0.86%
Net interest margin 4.17%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 3.82%
Net operating income to assets 0.34%
Return on assets (ROA) 0.34%
Pretax return on assets 0.34%
Return on equity (ROE) 3.30%
Retained earnings to average equity (YTD only) 2.57%
Net charge-offs to loans 1.00%
Credit loss provision to net charge-offs 111.33%
Efficiency ratio1.65%
Assets per employee$76,942
Cash dividends to net income (YTD only)3.31%
Condition Ratios (%)
Loss allowance to loans 22.09%
Loss allowance to noncurrent loans 2.01%
Noncurrent assets plus other real estate owned to assets 21.92%
Noncurrent loans to loans 8.19%
Net loans and leases to deposits9.17%
Net loans and leases to core deposits 69.38%
Equity capital to assets 74.53%
Core capital (leverage) ratio 10.86%
Tier 1 risk-based capital ratio 10.49%
Total risk-based capital ratio 17.09%
Memoranda
Average assets$18
Average earning assets$217,932
Average equity $22,620
Average loans $201,671
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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
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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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