The First National Bank of Oneida in Oneida, Tennessee (TN)
| The First National Bank of Oneida | |
|---|---|
| General | FDIC Certificate #: 4958 Status: Active Federal Reserve ID: 966731 Date Established: January 01, 1904 WWW: http://www.fnboneida.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 5 (Domestic: 5, Interstate: No) FDIC's unique #: 3300 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization 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: 18418 Alberta Street, Oneida, TN 37841 County: Scott 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: $203.3 mil Equity capital: $21.4 mil Deposits held in domestic offices: $173.5 mil Return on assets (ROA): 0.73% ($1.5 mil) Quarterly return on assets: 0.87% ($1.8 mil) Return on Equity (ROE): 7.05% ($1.5 mil) Quarterly return on equity: 8.27% ($1.7 mil) Net income: $1.5 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.80% ($1,626.7 mil) Quarterly Pretax return on assets: 0.95% ($1,931.7 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 57 |
| Total assets | $203,333 |
| Cash and due from depository institutions | $11,093 |
| Interest-bearing balances | $8,149 |
| Securities | $36,007 |
| Federal funds sold & reverse repurchase agreements | $2,160 |
| Net loans & leases | $138,309 |
| Loan loss allowance | $2,327 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,332 |
| Other real estate owned | $5,718 |
| Goodwill and other intangibles | $0 |
| All other assets | $6,714 |
| Life insurance assets | $203,333 |
| Total liabilities and capital | $181,897 |
| Total liabilities | $173,510 |
| Total deposits | $148,141 |
| Interest-bearing deposits | $173,510 |
| Deposits held in domestic offices | $92 |
| % insured (estimated) | 2193.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $5,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,194 |
| All other liabilities | $21,436 |
| Total equity capital | $21,436 |
| Total bank equity capital | $21,436 |
| Perpetual preferred stock | $0 |
| Common stock | $393 |
| Surplus | $393 |
| Undivided profits | $20,650 |
| 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 | $4,799 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $879 |
| Average Assets, year-to-date | $184,625 |
| Average Assets, quarterly | $88,557 |
| Volatile liabilities | $204,964 |
| Insider loans | $204,334 |
| FHLB advances | $142,040 |
| Loans and leases held for sale | $206,348 |
| Unused loan commitments | $4,243 |
| Tier 1 (core) risk-based capital | $4,243 |
| Tier 2 risk-based capital | $20,102 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $6,039 |
| Derivatives | $4,828 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $10,510 |
| Total interest expense | $2,836 |
| Net interest income | $7,674 |
| Provision for loan and lease losses | $1,660 |
| Total noninterest income | $1,254 |
| Fiduciary activities | $2 |
| Service charges on deposit accounts | $933 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $319 |
| Total noninterest expense | $5,750 |
| Salaries and employee benefits | $2,964 |
| Premises and equipment expense | $1,017 |
| Additional noninterest expense | $1,769 |
| Pre-tax net operating income | $1,518 |
| Securities gains (losses) | $130 |
| Applicable income taxes | $160 |
| Income before extraordinary items | $1,488 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,488 |
| Net charge-offs | $0 |
| Cash dividends | $1,488 |
| Sale, conversion, retirement of capital stock, net | $1,280 |
| Net operating income | $1,140 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.62% |
| Cost of funding earning assets | 1.52% |
| Net interest margin | 4.11% |
| Noninterest income to earning assets | 0.67% |
| Noninterest expense to earning assets | 3.08% |
| Net operating income to assets | 0.67% |
| Return on assets (ROA) | 0.73% |
| Pretax return on assets | 0.80% |
| Return on equity (ROE) | 7.05% |
| Retained earnings to average equity (YTD only) | 1.65% |
| Net charge-offs to loans | 0.89% |
| Credit loss provision to net charge-offs | 129.69% |
| Efficiency ratio | 2.48% |
| Assets per employee | $64,404 |
| Cash dividends to net income (YTD only) | 3.57% |
| Condition Ratios (%) | |
| Loss allowance to loans | 76.61% |
| Loss allowance to noncurrent loans | 1.65% |
| Noncurrent assets plus other real estate owned to assets | 48.49% |
| Noncurrent loans to loans | 5.17% |
| Net loans and leases to deposits | 3.41% |
| Net loans and leases to core deposits | 79.71% |
| Equity capital to assets | 86.75% |
| Core capital (leverage) ratio | 10.54% |
| Tier 1 risk-based capital ratio | 9.74% |
| Total risk-based capital ratio | 14.15% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $204,964 |
| Average equity | $21,118 |
| Average loans | $186,885 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $208 |
| Number of Accounts | 1 |
| 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 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 9 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $208 |
| Corporate trust and agency accounts | $38 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 5 Tennessee Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 3300 | The First National Bank Of Oneida | 18418 Alberta Street, Oneida, TN 37841 | January 01, 1904 | Full Service Brick and Mortar |  |
| 1 | 205835 | Central Branch | Route 1, Helenwood, TN 37755 | January 26, 1966 | Full Service Brick and Mortar |  |
| 2 | 205836 | Courthouse Square Branch | 7 Courthouse Square, Huntsville, TN 37756 | October 25, 1973 | Full Service Brick and Mortar | |
| 3 | 205837 | Winfield Branch | U.S. Highway 27-Pleasant Grove Road, Winfield, TN 37892 | October 06, 1975 | Full Service Brick and Mortar | |
| 4 | 469349 | First National Bank Of Campbell Coun | 2410 Jackson Pike, La Follette, TN 37766 | September 17, 2007 | Full Service Brick and Mortar | |
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