First National Bank in Lenoir City, Tennessee (TN)

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First National Bank
GeneralFDIC Certificate #: 4947
Status: Active
Federal Reserve ID: 198831
Bank Holding Company (Regulatory Top Holder): Moneytree Corporation (RSSDID: 3387832, Location: Lenoir City, TN)
Date Established: May 02, 1907
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: 9 (Domestic: 9, Interstate: No)
FDIC's unique #: 3290
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: 200 East Broadway, Lenoir City, TN 37771
County: Loudon
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): Knoxville, TN (#3840)
Combined Statistical Area (CSA): Knoxville-Sevierville-La Follette, TN (#314)
Core Based Statistical Area (CBSA): Knoxville, TN (#28940)
CBSA Metro Statistical Area: Knoxville, TN (#28940)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $396.3 mil
Equity capital: $42.2 mil
Deposits held in domestic offices: $348.4 mil
Return on assets (ROA): -0.26% (-$1.0 mil)
Quarterly return on assets: 0.62% ($2.5 mil)
Return on Equity (ROE): -2.58% (-$1.1 mil)
Quarterly return on equity: 5.98% ($2.5 mil)
Net income: -$1.1 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: -0.62% (-$2,457.1 mil)
Quarterly Pretax return on assets: 0.75% ($2,972.3 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)98
Total assets$396,301
Cash and due from depository institutions$7,385
Interest-bearing balances$1,539
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$234,360
Loan loss allowance $4,716
Trading account assets$0
Bank premises and fixed assets$11,072
Other real estate owned$4,897
Goodwill and other intangibles$0
All other assets$18,411
Life insurance assets$396,301
Total liabilities and capital$354,074
Total liabilities$348,413
Total deposits$304,157
Interest-bearing deposits$348,413
Deposits held in domestic offices$88
% insured (estimated)154.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $507
All other liabilities $42,227
Total equity capital$42,227
Total bank equity capital$42,227
Perpetual preferred stock$0
Common stock$2,298
Undivided profits $13,709
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,562
Income earned, not collected on loans $1,626
Earning assets $0
Long-term assets (5+ years) $1,354
Average Assets, year-to-date $356,075
Average Assets, quarterly $68,318
Volatile liabilities $403,000
Insider loans $402,828
FHLB advances $255,984
Loans and leases held for sale $394,772
Unused loan commitments $10,259
Tier 1 (core) risk-based capital $5,728
Tier 2 risk-based capital $38,774
Total risk weighted assets $0
Total unused commitments $4,531
Restructured Loans and leases $35,089
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $15,691
Total interest expense $2,930
Net interest income $12,761
Provision for loan and lease losses $3,809
Total noninterest income -$616
Fiduciary activities $0
Service charges on deposit accounts $601
Trading account gains & fees $0
Additional noninterest income -$1,217
Total noninterest expense $10,933
Salaries and employee benefits $5,894
Premises and equipment expense $1,794
Additional noninterest expense $3,245
Pre-tax net operating income -$2,597
Securities gains (losses) $115
Applicable income taxes -$1,424
Income before extraordinary items -$1,058
Extraordinary gains - net $0
Net income attributable to bank -$1,058
Net charge-offs $0
Cash dividends -$1,058
Sale, conversion, retirement of capital stock, net $4,789
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.34%
Cost of funding earning assets 0.81%
Net interest margin 3.53%
Noninterest income to earning assets -0.17%
Noninterest expense to earning assets 3.02%
Net operating income to assets -0.28%
Return on assets (ROA) -0.26%
Pretax return on assets -0.62%
Return on equity (ROE) -2.58%
Retained earnings to average equity (YTD only) -2.58%
Net charge-offs to loans 2.04%
Credit loss provision to net charge-offs 79.54%
Efficiency ratio0.25%
Assets per employee$90,021
Cash dividends to net income (YTD only)4.04%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.97%
Noncurrent assets plus other real estate owned to assets 290.04%
Noncurrent loans to loans 1.65%
Net loans and leases to deposits0.68%
Net loans and leases to core deposits 67.26%
Equity capital to assets 69.96%
Core capital (leverage) ratio 10.66%
Tier 1 risk-based capital ratio 9.82%
Total risk-based capital ratio 15.15%
Average assets$16
Average earning assets$403,000
Average equity $41,065
Average loans $361,783
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9 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03290First National Bank200 East Broadway, Lenoir City, TN 37771May 02, 1907Full Service Brick and Mortar
1205679Dixie Lee Branch16239 Hwy 70 E, Loudon County, TN 37771March 01, 1973Full Service Brick and Mortar
3205681Loudon Branch817 Mulberry Street, Loudon, TN 37774November 17, 1977Full Service Brick and Mortar
4205682West Knox Branch10514 Kingston Pike, Knoxville, TN 37922August 17, 1989Full Service Brick and Mortar
5205683Maryville Branch1708 West Broadway, Maryville, TN 37801May 03, 1999Full Service Brick and Mortar
6419414Tellico Village Branch290 Village Square, Loudon, TN 37774May 01, 2003Full Service Brick and Mortar
7448868Ocoee Crossing Branch137 Ocoee Crossing Nw, Cleveland, TN 37312November 14, 2005Full Service Brick and Mortar
8453113Hwy 321 Office Branch257 Medical Park Drive, Lenoir City, TN 37771Febuary 22, 2006Full Service Brick and Mortar
10497267Middlebrook Pike Office9610 Countryside Center Lane, Knoxville, TN 37931October 19, 2009Full Service Brick and Mortar
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