First Trust and Savings Bank, Oneida, Tennessee in Oneida, Tennessee (TN)



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First Trust and Savings Bank, Oneida, Tennessee routing number info

Table of contents:
First Trust and Savings Bank, Oneida, Tennessee
GeneralFDIC 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
WWW: http://www.ftsb.net
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)47
Total assets$148,947
Cash and due from depository institutions$19,732
Interest-bearing balances$14,179
Securities$14,110
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$107,457
Loan loss allowance $2,477
Trading account assets$0
Bank premises and fixed assets$2,781
Other real estate owned$3,437
Goodwill and other intangibles$50
All other assets$1,380
Life insurance assets$148,947
Total liabilities and capital$134,346
Total liabilities$126,674
Total deposits$107,176
Interest-bearing deposits$126,674
Deposits held in domestic offices$95
% insured (estimated)1000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,419
Other borrowed funds $0
Subordinated debt $253
All other liabilities $14,601
Total equity capital$14,601
Total bank equity capital$14,601
Perpetual preferred stock$0
Common stock$500
Surplus$3,840
Undivided profits $10,261
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $7,334
Earning assets $0
Long-term assets (5+ years) $543
Average Assets, year-to-date $135,746
Average Assets, quarterly $35,670
Volatile liabilities $147,181
Insider loans $147,309
FHLB advances $95,947
Loans and leases held for sale $146,645
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,329
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,046
Derivatives$1,975
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,772
Total interest expense $1,756
Net interest income $6,016
Provision for loan and lease losses $2,191
Total noninterest income $1,096
Fiduciary activities $0
Service charges on deposit accounts $658
Trading account gains & fees $0
Additional noninterest income $438
Total noninterest expense $4,668
Salaries and employee benefits $1,932
Premises and equipment expense $629
Additional noninterest expense $2,107
Pre-tax net operating income $253
Securities gains (losses) $30
Applicable income taxes -$3
Income before extraordinary items $286
Extraordinary gains - net $0
Net income attributable to bank $286
Net charge-offs $0
Cash dividends $286
Sale, conversion, retirement of capital stock, net $1,707
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 assets5.72%
Cost of funding earning assets 1.29%
Net interest margin 4.43%
Noninterest income to earning assets 0.81%
Noninterest expense to earning assets 3.44%
Net operating income to assets 0.17%
Return on assets (ROA) 0.19%
Pretax return on assets 0.19%
Return on equity (ROE) 1.96%
Retained earnings to average equity (YTD only) 1.96%
Net charge-offs to loans 1.49%
Credit loss provision to net charge-offs 128.35%
Efficiency ratio1.43%
Assets per employee$65,636
Cash dividends to net income (YTD only)3.17%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.25%
Noncurrent assets plus other real estate owned to assets 33.77%
Noncurrent loans to loans 7.23%
Net loans and leases to deposits6.67%
Net loans and leases to core deposits 84.83%
Equity capital to assets 90.25%
Core capital (leverage) ratio 9.80%
Tier 1 risk-based capital ratio 9.77%
Total risk-based capital ratio 14.93%
Memoranda
Average assets$16
Average earning assets$147,181
Average equity $14,583
Average loans $135,858
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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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