The First National Bank of Oneida in Oneida, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Oneida - Overview

  • General
  • FDIC Certificate #: 4958
    Status: Active
    Federal Reserve ID: 966731
    Date Established: January 01, 1904
    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)

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
  • 57Total employees (full-time equivalent)
  • $203,333Total assets
  • $11,093Cash and due from depository institutions
  • $8,149Interest-bearing balances
  • $36,007Securities
  • $2,160Federal funds sold & reverse repurchase agreements
  • $138,309Net loans & leases
  • $2,327Loan loss allowance
  • $0Trading account assets
  • $3,332Bank premises and fixed assets
  • $5,718Other real estate owned
  • $0Goodwill and other intangibles
  • $203,333Life insurance assets
  • $6,714All other assets
  • $181,897Total liabilities and capital
  • $173,510Total liabilities
  • $148,141Total deposits
  • $173,510Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 2193.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $1,194Subordinated debt
  • $21,436All other liabilities
  • $21,436Total equity capital
  • $21,436Total bank equity capital
  • $0Perpetual preferred stock
  • $393Common stock
  • $393Surplus
  • $20,650Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,799Income earned, not collected on loans
  • $0Earning assets
  • $879Long-term assets (5+ years)
  • $184,625Average Assets, year-to-date
  • $88,557Average Assets, quarterly
  • $204,964Volatile liabilities
  • $204,334Insider loans
  • $142,040FHLB advances
  • $206,348Loans and leases held for sale
  • $4,243Unused loan commitments
  • $4,243Tier 1 (core) risk-based capital
  • $20,102Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,039Restructured Loans and leases
  • $4,828Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,510Total interest income
  • $2,836Total interest expense
  • $7,674Net interest income
  • $1,660Provision for loan and lease losses
  • $1,254Total noninterest income
  • $2Fiduciary activities
  • $933Service charges on deposit accounts
  • $0Trading account gains & fees
  • $319Additional noninterest income
  • $5,750Total noninterest expense
  • $2,964Salaries and employee benefits
  • $1,017Premises and equipment expense
  • $1,769Additional noninterest expense
  • $1,518Pre-tax net operating income
  • $130Securities gains (losses)
  • $160Applicable income taxes
  • $1,488Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,488Net income attributable to bank
  • $0Net charge-offs
  • $1,488Cash dividends
  • $1,280Sale, conversion, retirement of capital stock, net
  • $1,140Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.62%Yield on earning assets
  • 1.52%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.08%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 7.05%Return on equity (ROE)
  • 1.65%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 129.69%Credit loss provision to net charge-offs
  • 2.48%Efficiency ratio
  • 64,404Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.61%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 48.49%Noncurrent assets plus other real estate owned to assets
  • 5.17%Noncurrent loans to loans
  • 3.41%Net loans and leases to deposits
  • 79.71%Net loans and leases to core deposits
  • 86.75%Equity capital to assets
  • 10.54%Core capital (leverage) ratio
  • 9.74%Tier 1 risk-based capital ratio
  • 14.15%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $204,964Average earning assets
  • $21,118Average equity
  • $186,885Average 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
  • $208Managed Assets
  • 1Number 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
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 9Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $208Other retirement accounts
  • $38Corporate 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
    03300The First National Bank Of Oneida18418 Alberta Street, Oneida, TN 37841January 01, 1904Full Service Brick and Mortar
    1205835Central BranchRoute 1, Helenwood, TN 37755January 26, 1966Full Service Brick and Mortar
    2205836Courthouse Square Branch7 Courthouse Square, Huntsville, TN 37756October 25, 1973Full Service Brick and Mortar
    3205837Winfield BranchU.S. Highway 27-Pleasant Grove Road, Winfield, TN 37892October 06, 1975Full Service Brick and Mortar
    4469349First National Bank Of Campbell Coun2410 Jackson Pike, La Follette, TN 37766September 17, 2007Full Service Brick and Mortar

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