TNBANK in Oak Ridge, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

TNBANK - Overview

  • General
  • FDIC Certificate #: 34023
    Status: Active
    Federal Reserve ID: 2305969
    Bank Holding Company (Regulatory Top Holder): Tennessee Valley Financial Holdings, Inc. (RSSDID: 3082454, Location: Oak Ridge, TN)
    Date Established: May 30, 1995
    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 #: 14045
    FDIC's unique #: 55601
    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: Commercial Lending Specialization
    Date of Deposit Insurance: May 30, 1995
    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: 401 South Illinois Avenue, Oak Ridge, TN 37830
    County: Anderson
    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: $181.6 mil
    Equity capital: $18.5 mil
    Deposits held in domestic offices: $144.0 mil
    Return on assets (ROA): 0.25% ($0.5 mil)
    Quarterly return on assets: 0.44% ($0.8 mil)
    Return on Equity (ROE): 2.41% ($0.4 mil)
    Quarterly return on equity: 4.21% ($0.8 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.37% ($671.8 mil)
    Quarterly Pretax return on assets: 0.69% ($1,252.9 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
  • 49Total employees (full-time equivalent)
  • $181,576Total assets
  • $15,370Cash and due from depository institutions
  • $12,834Interest-bearing balances
  • $34,486Securities
  • $4,623Federal funds sold & reverse repurchase agreements
  • $113,516Net loans & leases
  • $1,275Loan loss allowance
  • $0Trading account assets
  • $5,996Bank premises and fixed assets
  • $3,500Other real estate owned
  • $0Goodwill and other intangibles
  • $181,576Life insurance assets
  • $4,085All other assets
  • $163,097Total liabilities and capital
  • $143,953Total liabilities
  • $124,516Total deposits
  • $143,953Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 975.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,545Trading liabilities
  • $0Other borrowed funds
  • $624Subordinated debt
  • $18,479All other liabilities
  • $18,479Total equity capital
  • $18,479Total bank equity capital
  • $0Perpetual preferred stock
  • $534Common stock
  • $15,526Surplus
  • $2,419Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $560Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,438Income earned, not collected on loans
  • $0Earning assets
  • $658Long-term assets (5+ years)
  • $165,459Average Assets, year-to-date
  • $34,077Average Assets, quarterly
  • $175,393Volatile liabilities
  • $177,821Insider loans
  • $120,207FHLB advances
  • $177,143Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,858Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,269Restructured Loans and leases
  • $689Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,780Total interest income
  • $1,823Total interest expense
  • $5,957Net interest income
  • $23Provision for loan and lease losses
  • $601Total noninterest income
  • $28Fiduciary activities
  • $266Service charges on deposit accounts
  • $0Trading account gains & fees
  • $307Additional noninterest income
  • $5,969Total noninterest expense
  • $2,362Salaries and employee benefits
  • $906Premises and equipment expense
  • $2,701Additional noninterest expense
  • $566Pre-tax net operating income
  • $88Securities gains (losses)
  • $222Applicable income taxes
  • $432Income before extraordinary items
  • $0Extraordinary gains - net
  • $432Net income attributable to bank
  • $0Net charge-offs
  • $432Cash dividends
  • $490Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 2.41%Return on equity (ROE)
  • 2.41%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 4.69%Credit loss provision to net charge-offs
  • 1.20%Efficiency ratio
  • 91,019Assets per employee
  • 3.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 23.45%Noncurrent assets plus other real estate owned to assets
  • 4.92%Noncurrent loans to loans
  • 4.74%Net loans and leases to deposits
  • 78.86%Net loans and leases to core deposits
  • 80.79%Equity capital to assets
  • 10.18%Core capital (leverage) ratio
  • 8.95%Tier 1 risk-based capital ratio
  • 13.19%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $175,393Average earning assets
  • $17,899Average equity
  • $158,558Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,529Managed Assets
  • 1Number of Accounts
  • $3,529Personal trust and agency accounts
  • $3,529Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 935Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055601Tnbank401 South Illinois Avenue, Oak Ridge, TN 37830May 30, 1995Full Service Brick and Mortar
    1290315Jackson Square Branch900 Oak Ridge Turnpike, Oak Ridge, TN 37830July 05, 1995Full Service Brick and Mortar
    2340744Farragut Branch11200 Kingston Pike, Knoxville, TN 37922June 06, 2000Full Service Brick and Mortar
    3446303Tnbank Of Knoxville, An Office Of Tnbank, Oak Ridge, Tennessee1005 North Cedar Bluff Road, Knoxville, TN 37923December 05, 2005Full Service Brick and Mortar
    5469062Tnbank Branch1311 West Lamar Alexander Parkway, Maryville, TN 37801November 13, 2007Full Service Brick and Mortar

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