First National Bank in Lenoir City, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 98Total employees (full-time equivalent)
  • $396,301Total assets
  • $7,385Cash and due from depository institutions
  • $1,539Interest-bearing balances
  • $120,176Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $234,360Net loans & leases
  • $4,716Loan loss allowance
  • $0Trading account assets
  • $11,072Bank premises and fixed assets
  • $4,897Other real estate owned
  • $0Goodwill and other intangibles
  • $396,301Life insurance assets
  • $18,411All other assets
  • $354,074Total liabilities and capital
  • $348,413Total liabilities
  • $304,157Total deposits
  • $348,413Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 154.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $507Subordinated debt
  • $42,227All other liabilities
  • $42,227Total equity capital
  • $42,227Total bank equity capital
  • $0Perpetual preferred stock
  • $2,298Common stock
  • $26,220Surplus
  • $13,709Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,562Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,626Income earned, not collected on loans
  • $0Earning assets
  • $1,354Long-term assets (5+ years)
  • $356,075Average Assets, year-to-date
  • $68,318Average Assets, quarterly
  • $403,000Volatile liabilities
  • $402,828Insider loans
  • $255,984FHLB advances
  • $394,772Loans and leases held for sale
  • $10,259Unused loan commitments
  • $5,728Tier 1 (core) risk-based capital
  • $38,774Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,531Total unused commitments
  • $35,089Restructured Loans and leases
  • $6,295Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,691Total interest income
  • $2,930Total interest expense
  • $12,761Net interest income
  • $3,809Provision for loan and lease losses
  • -$616Total noninterest income
  • $0Fiduciary activities
  • $601Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,217Additional noninterest income
  • $10,933Total noninterest expense
  • $5,894Salaries and employee benefits
  • $1,794Premises and equipment expense
  • $3,245Additional noninterest expense
  • -$2,597Pre-tax net operating income
  • $115Securities gains (losses)
  • -$1,424Applicable income taxes
  • -$1,058Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,058Net income attributable to bank
  • $0Net charge-offs
  • -$1,058Cash dividends
  • $4,789Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.53%Net interest margin
  • -0.17%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • -0.28%Net operating income to assets
  • -0.26%Return on assets (ROA)
  • -0.62%Pretax return on assets
  • -2.58%Return on equity (ROE)
  • -2.58%Retained earnings to average equity (YTD only)
  • 2.04%Net charge-offs to loans
  • 79.54%Credit loss provision to net charge-offs
  • 0.25%Efficiency ratio
  • 90,021Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 290.04%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 67.26%Net loans and leases to core deposits
  • 69.96%Equity capital to assets
  • 10.66%Core capital (leverage) ratio
  • 9.82%Tier 1 risk-based capital ratio
  • 15.15%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $403,000Average earning assets
  • $41,065Average equity
  • $361,783Average loans

List of branches

  • 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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