First Trust and Savings Bank, Oneida, Tennessee in Oneida, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Trust and Savings Bank, Oneida, Tennessee - Overview

  • General
  • FDIC Certificate #: 6109
    Status: Active
    Federal Reserve ID: 700739
    Bank Holding Company (Regulatory Top Holder): Mccreary Bancshares Inc. (RSSDID: 1071342, Location: Whitley City, KY)
    Date Established: September 09, 1923
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13421
    FDIC's unique #: 4130
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 106 Municipal Drive, Oneida, TN 37841
    County: Scott
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $148.9 mil
    Equity capital: $14.6 mil
    Deposits held in domestic offices: $126.7 mil
    Return on assets (ROA): 0.19% ($0.3 mil)
    Quarterly return on assets: -0.21% (-$0.3 mil)
    Return on Equity (ROE): 1.96% ($0.3 mil)
    Quarterly return on equity: -2.07% (-$0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.19% ($283.0 mil)
    Quarterly Pretax return on assets: -0.50% (-$744.7 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
  • 47Total employees (full-time equivalent)
  • $148,947Total assets
  • $19,732Cash and due from depository institutions
  • $14,179Interest-bearing balances
  • $14,110Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $107,457Net loans & leases
  • $2,477Loan loss allowance
  • $0Trading account assets
  • $2,781Bank premises and fixed assets
  • $3,437Other real estate owned
  • $50Goodwill and other intangibles
  • $148,947Life insurance assets
  • $1,380All other assets
  • $134,346Total liabilities and capital
  • $126,674Total liabilities
  • $107,176Total deposits
  • $126,674Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 1000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,419Trading liabilities
  • $0Other borrowed funds
  • $253Subordinated debt
  • $14,601All other liabilities
  • $14,601Total equity capital
  • $14,601Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $3,840Surplus
  • $10,261Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,334Income earned, not collected on loans
  • $0Earning assets
  • $543Long-term assets (5+ years)
  • $135,746Average Assets, year-to-date
  • $35,670Average Assets, quarterly
  • $147,181Volatile liabilities
  • $147,309Insider loans
  • $95,947FHLB advances
  • $146,645Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,329Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,046Restructured Loans and leases
  • $1,975Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,772Total interest income
  • $1,756Total interest expense
  • $6,016Net interest income
  • $2,191Provision for loan and lease losses
  • $1,096Total noninterest income
  • $0Fiduciary activities
  • $658Service charges on deposit accounts
  • $0Trading account gains & fees
  • $438Additional noninterest income
  • $4,668Total noninterest expense
  • $1,932Salaries and employee benefits
  • $629Premises and equipment expense
  • $2,107Additional noninterest expense
  • $253Pre-tax net operating income
  • $30Securities gains (losses)
  • -$3Applicable income taxes
  • $286Income before extraordinary items
  • $0Extraordinary gains - net
  • $286Net income attributable to bank
  • $0Net charge-offs
  • $286Cash dividends
  • $1,707Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.72%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.19%Pretax return on assets
  • 1.96%Return on equity (ROE)
  • 1.96%Retained earnings to average equity (YTD only)
  • 1.49%Net charge-offs to loans
  • 128.35%Credit loss provision to net charge-offs
  • 1.43%Efficiency ratio
  • 65,636Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 33.77%Noncurrent assets plus other real estate owned to assets
  • 7.23%Noncurrent loans to loans
  • 6.67%Net loans and leases to deposits
  • 84.83%Net loans and leases to core deposits
  • 90.25%Equity capital to assets
  • 9.80%Core capital (leverage) ratio
  • 9.77%Tier 1 risk-based capital ratio
  • 14.93%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $147,181Average earning assets
  • $14,583Average equity
  • $135,858Average loans

List of branches

  • 5 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04130First Trust And Savings Bank, Oneida, Tennessee106 Municipal Drive, Oneida, TN 37841September 09, 1923Full Service Brick and Mortar
    3208756Scott High Drive BranchScott High Drive And Highway 63, Helenwood, TN 37755September 19, 1988Full Service Brick and Mortar
    4208757Jacksboro Office2824 Appalachia Highway, Jacksboro, TN 37757May 19, 1999Full Service Retail
    5208758Oneida Plaza Branch19740 Alberta Street And Claude Terry Drive, Oneida, TN 37841October 13, 1999Full Service Retail
    6479022Jacksboro Main Office Branch2828 Appalachian Hwy, Jacksboro, TN 37757September 12, 2007Full Service Brick and Mortar

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