Traders National Bank in Tullahoma, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Traders National Bank - Overview

  • General
  • FDIC Certificate #: 4970
    Status: Active
    Federal Reserve ID: 490937
    Bank Holding Company (Regulatory Top Holder): Tracorp, Inc. (RSSDID: 1250718, Location: Tullahoma, TN)
    Date Established: January 01, 1889
    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 #: 3312
    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: January 22, 2007
    Last Structure Change Process Date: July 17, 2007
    Last Data Update: July 17, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 North Jackson Street, Tullahoma, TN 37388
    County: Coffee
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Tullahoma, TN (#46100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $156.3 mil
    Equity capital: $14.1 mil
    Deposits held in domestic offices: $141.7 mil
    Return on assets (ROA): 0.61% ($1.0 mil)
    Quarterly return on assets: 0.22% ($0.3 mil)
    Return on Equity (ROE): 7.22% ($1.0 mil)
    Quarterly return on equity: 2.42% ($0.3 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.65% ($1,016.2 mil)
    Quarterly Pretax return on assets: 0.29% ($453.4 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
  • 53Total employees (full-time equivalent)
  • $156,333Total assets
  • $7,944Cash and due from depository institutions
  • $52Interest-bearing balances
  • $29,260Securities
  • $7,578Federal funds sold & reverse repurchase agreements
  • $103,297Net loans & leases
  • $1,946Loan loss allowance
  • $0Trading account assets
  • $3,845Bank premises and fixed assets
  • $2,007Other real estate owned
  • $0Goodwill and other intangibles
  • $156,333Life insurance assets
  • $2,402All other assets
  • $142,234Total liabilities and capital
  • $141,717Total liabilities
  • $112,152Total deposits
  • $141,717Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $517Subordinated debt
  • $14,099All other liabilities
  • $14,099Total equity capital
  • $14,099Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $1,500Surplus
  • $12,224Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,273Income earned, not collected on loans
  • $0Earning assets
  • $683Long-term assets (5+ years)
  • $140,187Average Assets, year-to-date
  • $34,240Average Assets, quarterly
  • $155,183Volatile liabilities
  • $155,407Insider loans
  • $102,392FHLB advances
  • $152,703Loans and leases held for sale
  • $744Unused loan commitments
  • $744Tier 1 (core) risk-based capital
  • $13,453Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,676Restructured Loans and leases
  • $364Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,632Total interest income
  • $1,350Total interest expense
  • $6,282Net interest income
  • $958Provision for loan and lease losses
  • $1,336Total noninterest income
  • $12Fiduciary activities
  • $505Service charges on deposit accounts
  • $0Trading account gains & fees
  • $819Additional noninterest income
  • $5,694Total noninterest expense
  • $3,210Salaries and employee benefits
  • $505Premises and equipment expense
  • $1,979Additional noninterest expense
  • $966Pre-tax net operating income
  • $36Securities gains (losses)
  • $60Applicable income taxes
  • $942Income before extraordinary items
  • $0Extraordinary gains - net
  • $942Net income attributable to bank
  • $0Net charge-offs
  • $942Cash dividends
  • $673Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.48%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 4.06%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 7.22%Return on equity (ROE)
  • 7.22%Retained earnings to average equity (YTD only)
  • 0.60%Net charge-offs to loans
  • 142.35%Credit loss provision to net charge-offs
  • 2.86%Efficiency ratio
  • 74,744Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 85.61%Noncurrent assets plus other real estate owned to assets
  • 2.74%Noncurrent loans to loans
  • 2.16%Net loans and leases to deposits
  • 72.89%Net loans and leases to core deposits
  • 78.10%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 13.14%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $155,183Average earning assets
  • $13,040Average equity
  • $140,298Average 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
  • $1,700Managed Assets
  • 1Number of Accounts
  • $1,700Personal trust and agency accounts
  • $1,700Employee 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
  • 18Number 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
    03312Traders National Bank120 North Jackson Street, Tullahoma, TN 37388January 01, 1889Full Service Brick and Mortar
    1205861West Lincoln Street Branch412 W. Lincoln St., Tullahoma, TN 37388January 04, 1965Full Service Brick and Mortar
    2205862Merchant Center Branch2695 Decherd Boulevard, Winchester, TN 37398May 08, 1998Full Service Brick and Mortar
    4205864Hillsboro Boulevard Branch1207 Hillsboro Boulevard, Manchester, TN 37355December 27, 1999Full Service Brick and Mortar
    5505850Traders National Bank Branch1602 North Main Street, Shelbyville, TN 37160January 11, 2010Full Service Brick and Mortar

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