TNBANK in Oak Ridge, Tennessee (TN)

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TNBANK routing number info

Table of contents:
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)49
Total assets$181,576
Cash and due from depository institutions$15,370
Interest-bearing balances$12,834
Federal funds sold & reverse repurchase agreements$4,623
Net loans & leases$113,516
Loan loss allowance $1,275
Trading account assets$0
Bank premises and fixed assets$5,996
Other real estate owned$3,500
Goodwill and other intangibles$0
All other assets$4,085
Life insurance assets$181,576
Total liabilities and capital$163,097
Total liabilities$143,953
Total deposits$124,516
Interest-bearing deposits$143,953
Deposits held in domestic offices$97
% insured (estimated)975.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$17,545
Other borrowed funds $0
Subordinated debt $624
All other liabilities $18,479
Total equity capital$18,479
Total bank equity capital$18,479
Perpetual preferred stock$0
Common stock$534
Undivided profits $2,419
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $560
Income earned, not collected on loans $5,438
Earning assets $0
Long-term assets (5+ years) $658
Average Assets, year-to-date $165,459
Average Assets, quarterly $34,077
Volatile liabilities $175,393
Insider loans $177,821
FHLB advances $120,207
Loans and leases held for sale $177,143
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,858
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $21,269
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,780
Total interest expense $1,823
Net interest income $5,957
Provision for loan and lease losses $23
Total noninterest income $601
Fiduciary activities $28
Service charges on deposit accounts $266
Trading account gains & fees $0
Additional noninterest income $307
Total noninterest expense $5,969
Salaries and employee benefits $2,362
Premises and equipment expense $906
Additional noninterest expense $2,701
Pre-tax net operating income $566
Securities gains (losses) $88
Applicable income taxes $222
Income before extraordinary items $432
Extraordinary gains - net $0
Net income attributable to bank $432
Net charge-offs $0
Cash dividends $432
Sale, conversion, retirement of capital stock, net $490
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 assets4.91%
Cost of funding earning assets 1.15%
Net interest margin 3.76%
Noninterest income to earning assets 0.38%
Noninterest expense to earning assets 3.76%
Net operating income to assets 0.21%
Return on assets (ROA) 0.25%
Pretax return on assets 0.37%
Return on equity (ROE) 2.41%
Retained earnings to average equity (YTD only) 2.41%
Net charge-offs to loans 0.42%
Credit loss provision to net charge-offs 4.69%
Efficiency ratio1.20%
Assets per employee$91,019
Cash dividends to net income (YTD only)3.71%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.11%
Noncurrent assets plus other real estate owned to assets 23.45%
Noncurrent loans to loans 4.92%
Net loans and leases to deposits4.74%
Net loans and leases to core deposits 78.86%
Equity capital to assets 80.79%
Core capital (leverage) ratio 10.18%
Tier 1 risk-based capital ratio 8.95%
Total risk-based capital ratio 13.19%
Average assets$14
Average earning assets$175,393
Average equity $17,899
Average loans $158,558
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$3,529
Number of Accounts1
Personal trust and agency accounts$3,529
Employee benefit-defined contribution accounts$3,529
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts935
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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