First Citizens National Bank in Dyersburg, Tennessee (TN)

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First Citizens National Bank
GeneralFDIC Certificate #: 4972
Status: Active
Federal Reserve ID: 133850
Bank Holding Company (Regulatory Top Holder): First Citizens Bancshares, Inc. (RSSDID: 1098796, Location: Dyersburg, TN)
Date Established: January 01, 1889
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 19 (Domestic: 19, Interstate: No)
OTS Docket #: 10429
FDIC's unique #: 3314
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: 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
LocationAddress: One First Citizens Place, Dyersburg, TN 38024
County: Dyer
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Dyersburg, TN (#20540)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $1,053.2 mil
Equity capital: $111.1 mil
Deposits held in domestic offices: $856.0 mil
Return on assets (ROA): 1.21% ($12.7 mil)
Quarterly return on assets: 1.10% ($11.6 mil)
Return on Equity (ROE): 11.63% ($12.9 mil)
Quarterly return on equity: 10.36% ($11.5 mil)
Net income: $12.2 mil
Quarterly Net income: $2.9 mil
Pretax return on assets: 1.56% ($16,430.1 mil)
Quarterly Pretax return on assets: 1.43% ($15,060.9 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)
Total employees (full-time equivalent)260
Total assets$1,053,209
Cash and due from depository institutions$59,186
Interest-bearing balances$40,138
Federal funds sold & reverse repurchase agreements$14,673
Net loans & leases$522,276
Loan loss allowance $8,039
Trading account assets$0
Bank premises and fixed assets$29,553
Other real estate owned$11,073
Goodwill and other intangibles$11,860
All other assets$39,123
Life insurance assets$1,053,209
Total liabilities and capital$940,086
Total liabilities$856,021
Total deposits$735,983
Interest-bearing deposits$856,021
Deposits held in domestic offices$76
% insured (estimated)36471.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$37,018
Other borrowed funds $0
Subordinated debt $10,576
All other liabilities $113,123
Total equity capital$111,068
Total bank equity capital$111,068
Perpetual preferred stock$0
Common stock$2,000
Undivided profits $74,734
Noncurrent loans and leases $2,055
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,616
Income earned, not collected on loans $7,918
Earning assets $1,714
Long-term assets (5+ years) $5,306
Average Assets, year-to-date $942,552
Average Assets, quarterly $349,344
Volatile liabilities $1,011,745
Insider loans $1,042,131
FHLB advances $590,174
Loans and leases held for sale $1,009,781
Unused loan commitments $21,438
Tier 1 (core) risk-based capital $5,192
Tier 2 risk-based capital $92,407
Total risk weighted assets $14,097
Total unused commitments $2,149
Restructured Loans and leases $95,289
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $45,499
Total interest expense $9,138
Net interest income $36,361
Provision for loan and lease losses $2,425
Total noninterest income $10,731
Fiduciary activities $914
Service charges on deposit accounts $4,435
Trading account gains & fees $0
Additional noninterest income $5,382
Total noninterest expense $29,662
Salaries and employee benefits $16,700
Premises and equipment expense $3,456
Additional noninterest expense $9,506
Pre-tax net operating income $15,005
Securities gains (losses) $894
Applicable income taxes $3,583
Income before extraordinary items $12,316
Extraordinary gains - net $0
Net income attributable to bank $12,192
Net charge-offs $124
Cash dividends $12,316
Sale, conversion, retirement of capital stock, net $2,414
Net operating income $4,950
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.04%
Cost of funding earning assets 1.01%
Net interest margin 4.03%
Noninterest income to earning assets 1.19%
Noninterest expense to earning assets 3.29%
Net operating income to assets 1.15%
Return on assets (ROA) 1.21%
Pretax return on assets 1.56%
Return on equity (ROE) 11.63%
Retained earnings to average equity (YTD only) 6.91%
Net charge-offs to loans 0.44%
Credit loss provision to net charge-offs 100.46%
Efficiency ratio7.22%
Assets per employee$62,807
Cash dividends to net income (YTD only)4.05%
Condition Ratios (%)
Loss allowance to loans 40.60%
Loss allowance to noncurrent loans 1.52%
Noncurrent assets plus other real estate owned to assets 101.53%
Noncurrent loans to loans 1.84%
Net loans and leases to deposits1.49%
Net loans and leases to core deposits 61.01%
Equity capital to assets 70.14%
Core capital (leverage) ratio 10.55%
Tier 1 risk-based capital ratio 9.15%
Total risk-based capital ratio 15.66%
Average assets$17
Average earning assets$1,011,745
Average equity $104,840
Average loans $902,314
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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$131,148
Number of Accounts1
Personal trust and agency accounts$123,770
Employee benefit-defined contribution accounts$48,459
Employee benefit-defined benefit accounts$44,271
Other retirement accounts$3,969
Corporate trust and agency accounts$5,126
Investment management agency accounts$0
Other fiduciary accounts$21,945
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts205
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$5,126
Employee benefit-defined benefit accounts$0
Other retirement accounts$7,378
Corporate trust and agency accounts$294
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$1,360
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19 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03314First Citizens National BankOne First Citizens Place, Dyersburg, TN 38024January 01, 1889Full Service Brick and Mortar
1205868Drive-In Branch117 South Church Street, Dyersburg, TN 38024March 07, 1961Limited Service Facility
2205869First Green Village Branch710 Hwy 51 By Pass, Dyersburg, TN 38024September 07, 1967Full Service Brick and Mortar
3205870Newbern Branch104 South Monroe Street, Newbern, TN 38059March 10, 1969Full Service Brick and Mortar
7205872Industrial Park Branch2211 St. John Avenue, Dyersburg, TN 38024November 07, 1994Full Service Brick and Mortar
8280277Ripley Branch316 Cleveland Street, Ripley, TN 38063Febuary 16, 1949Full Service Brick and Mortar
111583Troy/Harper BranchHarper Street, Troy, TN 38260April 05, 1889Full Service Brick and Mortar
145887Union City Branch100 Washington Avenue, Union City, TN 38261January 01, 1909Full Service Brick and Mortar
18364467Martin Branch200 University Street, Martin, TN 38237April 22, 2002Full Service Brick and Mortar
19220274Atoka Branch123 Atoka-Munford Avenue, Atoka, TN 38004September 19, 1975Full Service Brick and Mortar
20220276Millington Branch8170 Highway 51 North, Millington, TN 38053January 06, 1992Full Service Brick and Mortar
21220278Bartlett Branch7580 Highway 70, Bartlett, TN 38133May 03, 1999Full Service Brick and Mortar
22366118Arlington Branch5845 Airline Road, Arlington, TN 38002November 01, 2002Full Service Brick and Mortar
23419333Munford Branch1426 Munford Avenue, Munford, TN 38058June 13, 2003Full Service Brick and Mortar
24424314Munford Drive-Thru Branch1483 Munford Avenue, Munford, TN 38058June 13, 2003Limited Service Facility
25429984Oakland Branch7285 Highway 64, Oakland, TN 38060June 01, 2004Full Service Brick and Mortar
26441814Collierville Branch3668 South Houston Levee Road, Collierville, TN 38017April 01, 2005Full Service Brick and Mortar
28476630Greystone Square Branch1030 Greystone Sq, Jackson, TN 38305August 20, 2007Full Service Brick and Mortar
29480738Franklin Financial Center1304 Murfreesboro Road, Franklin, TN 37064July 23, 2008Full Service Brick and Mortar
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