First Citizens National Bank in Dyersburg, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Citizens National Bank in Dyersburg, Tennessee (TN)
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First Citizens National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 260Total employees (full-time equivalent)
  • $1,053,209Total assets
  • $59,186Cash and due from depository institutions
  • $40,138Interest-bearing balances
  • $365,465Securities
  • $14,673Federal funds sold & reverse repurchase agreements
  • $522,276Net loans & leases
  • $8,039Loan loss allowance
  • $0Trading account assets
  • $29,553Bank premises and fixed assets
  • $11,073Other real estate owned
  • $11,860Goodwill and other intangibles
  • $1,053,209Life insurance assets
  • $39,123All other assets
  • $940,086Total liabilities and capital
  • $856,021Total liabilities
  • $735,983Total deposits
  • $856,021Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 36471.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $37,018Trading liabilities
  • $0Other borrowed funds
  • $10,576Subordinated debt
  • $113,123All other liabilities
  • $111,068Total equity capital
  • $111,068Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $34,334Surplus
  • $74,734Undivided profits
  • Memoranda
  • $2,055Noncurrent loans and leases
  • $2,616Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,918Income earned, not collected on loans
  • $1,714Earning assets
  • $5,306Long-term assets (5+ years)
  • $942,552Average Assets, year-to-date
  • $349,344Average Assets, quarterly
  • $1,011,745Volatile liabilities
  • $1,042,131Insider loans
  • $590,174FHLB advances
  • $1,009,781Loans and leases held for sale
  • $21,438Unused loan commitments
  • $5,192Tier 1 (core) risk-based capital
  • $92,407Tier 2 risk-based capital
  • $14,097Total risk weighted assets
  • $2,149Total unused commitments
  • $95,289Restructured Loans and leases
  • $11,067Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $45,499Total interest income
  • $9,138Total interest expense
  • $36,361Net interest income
  • $2,425Provision for loan and lease losses
  • $10,731Total noninterest income
  • $914Fiduciary activities
  • $4,435Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,382Additional noninterest income
  • $29,662Total noninterest expense
  • $16,700Salaries and employee benefits
  • $3,456Premises and equipment expense
  • $9,506Additional noninterest expense
  • $15,005Pre-tax net operating income
  • $894Securities gains (losses)
  • $3,583Applicable income taxes
  • $12,316Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,192Net income attributable to bank
  • $124Net charge-offs
  • $12,316Cash dividends
  • $2,414Sale, conversion, retirement of capital stock, net
  • $4,950Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.03%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 11.63%Return on equity (ROE)
  • 6.91%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 100.46%Credit loss provision to net charge-offs
  • 7.22%Efficiency ratio
  • 62,807Assets per employee
  • 4.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.60%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 101.53%Noncurrent assets plus other real estate owned to assets
  • 1.84%Noncurrent loans to loans
  • 1.49%Net loans and leases to deposits
  • 61.01%Net loans and leases to core deposits
  • 70.14%Equity capital to assets
  • 10.55%Core capital (leverage) ratio
  • 9.15%Tier 1 risk-based capital ratio
  • 15.66%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,011,745Average earning assets
  • $104,840Average equity
  • $902,314Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $131,148Managed Assets
  • 1Number of Accounts
  • $123,770Personal trust and agency accounts
  • $48,459Employee benefit-defined contribution accounts
  • $44,271Employee benefit-defined benefit accounts
  • $3,969Other retirement accounts
  • $5,126Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $21,945Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 205Number of Accounts
  • $0Personal trust and agency accounts
  • $5,126Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,378Other retirement accounts
  • $294Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,360Fiduciary accounts held in foreign offices

List of branches

  • 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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