Johnson County Bank in Mountain City, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Johnson County Bank in Mountain City, Tennessee (TN)
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Johnson County Bank - Overview

  • General
  • FDIC Certificate #: 22070
    Status: Active
    Federal Reserve ID: 45430
    Date Established: July 24, 1975
    WWW: http://www.johnsoncountybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15800
    FDIC's unique #: 15322
    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: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: July 24, 1975
    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: 241 West Main Street, Mountain City, TN 37683
    County: Johnson
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $119.1 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $96.5 mil
    Return on assets (ROA): 0.58% ($0.7 mil)
    Quarterly return on assets: 0.56% ($0.7 mil)
    Return on Equity (ROE): 4.69% ($0.7 mil)
    Quarterly return on equity: 4.46% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.83% ($988.4 mil)
    Quarterly Pretax return on assets: 0.68% ($809.8 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
  • 23Total employees (full-time equivalent)
  • $119,081Total assets
  • $22,544Cash and due from depository institutions
  • $20,635Interest-bearing balances
  • $15,232Securities
  • $1,767Federal funds sold & reverse repurchase agreements
  • $71,112Net loans & leases
  • $1,219Loan loss allowance
  • $0Trading account assets
  • $1,094Bank premises and fixed assets
  • $2,329Other real estate owned
  • $0Goodwill and other intangibles
  • $119,081Life insurance assets
  • $5,003All other assets
  • $104,045Total liabilities and capital
  • $96,494Total liabilities
  • $82,687Total deposits
  • $96,494Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,804Trading liabilities
  • $0Other borrowed funds
  • $1,747Subordinated debt
  • $15,036All other liabilities
  • $15,036Total equity capital
  • $15,036Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $14,236Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,435Income earned, not collected on loans
  • $0Earning assets
  • $312Long-term assets (5+ years)
  • $108,746Average Assets, year-to-date
  • $63,305Average Assets, quarterly
  • $119,729Volatile liabilities
  • $119,984Insider loans
  • $62,598FHLB advances
  • $118,435Loans and leases held for sale
  • $3,264Unused loan commitments
  • $1,864Tier 1 (core) risk-based capital
  • $14,894Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,400Total unused commitments
  • $1,195Restructured Loans and leases
  • $1,019Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,550Total interest income
  • $1,369Total interest expense
  • $4,181Net interest income
  • $339Provision for loan and lease losses
  • $134Total noninterest income
  • $0Fiduciary activities
  • $408Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$274Additional noninterest income
  • $2,988Total noninterest expense
  • $1,542Salaries and employee benefits
  • $246Premises and equipment expense
  • $1,200Additional noninterest expense
  • $988Pre-tax net operating income
  • $0Securities gains (losses)
  • $289Applicable income taxes
  • $699Income before extraordinary items
  • $0Extraordinary gains - net
  • $699Net income attributable to bank
  • $0Net charge-offs
  • $699Cash dividends
  • $362Sale, conversion, retirement of capital stock, net
  • $280Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 4.69%Return on equity (ROE)
  • 2.81%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 93.65%Credit loss provision to net charge-offs
  • 3.67%Efficiency ratio
  • 69,247Assets per employee
  • 5.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.06%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 27.49%Noncurrent assets plus other real estate owned to assets
  • 5.68%Noncurrent loans to loans
  • 6.13%Net loans and leases to deposits
  • 73.70%Net loans and leases to core deposits
  • 82.85%Equity capital to assets
  • 12.63%Core capital (leverage) ratio
  • 12.58%Tier 1 risk-based capital ratio
  • 23.79%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $119,729Average earning assets
  • $14,918Average equity
  • $108,925Average loans

List of branches

  • 1 Tennessee Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015322Johnson County Bank241 West Main Street, Mountain City, TN 37683July 24, 1975Full Service Brick and Mortar

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