Citizens State Bank in Trenton, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1993

  • Citizens State Bank in Trenton, Tennessee (TN)
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Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 4981
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Volunteer Bank (#9958)
    Federal Reserve ID: 593454
    Date Established: September 22, 1923
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 3323
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 1993
    Last Structure Change Process Date: January 26, 1993
    Last Data Update: January 26, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 5 Court Square, Trenton, TN 38382
    County: Gibson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Jackson-Humboldt, TN (#297)
    Core Based Statistical Area (CBSA): Humboldt, TN (#26480)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $32.0 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $18Total assets
  • $31,983Cash and due from depository institutions
  • $1,917Interest-bearing balances
  • $199Securities
  • $7,227Federal funds sold & reverse repurchase agreements
  • $5,700Net loans & leases
  • $15,738Loan loss allowance
  • $229Trading account assets
  • $0Bank premises and fixed assets
  • $759Other real estate owned
  • $157Goodwill and other intangibles
  • $326Life insurance assets
  • $159All other assets
  • $0Total liabilities and capital
  • $31,983Total liabilities
  • $28,060Total deposits
  • $27,633Interest-bearing deposits
  • $23,135Deposits held in domestic offices
  • 27633.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $427Total equity capital
  • $427Total bank equity capital
  • $3,923Perpetual preferred stock
  • $0Common stock
  • $613Surplus
  • $3,019Undivided profits
  • Memoranda
  • $291Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $251Income earned, not collected on loans
  • $162Earning assets
  • $28,864Long-term assets (5+ years)
  • $3,049Average Assets, year-to-date
  • $30,777Average Assets, quarterly
  • $30,566Volatile liabilities
  • $2,924Insider loans
  • $18FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,236Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,764Total risk weighted assets
  • $19,324Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,326Total interest expense
  • $913Net interest income
  • $1,413Provision for loan and lease losses
  • $226Total noninterest income
  • $257Fiduciary activities
  • $0Service charges on deposit accounts
  • $198Trading account gains & fees
  • $0Additional noninterest income
  • $59Total noninterest expense
  • $964Salaries and employee benefits
  • $408Premises and equipment expense
  • $124Additional noninterest expense
  • $432Pre-tax net operating income
  • $480Securities gains (losses)
  • -$24Applicable income taxes
  • $139Income before extraordinary items
  • $317Extraordinary gains - net
  • $0Net income attributable to bank
  • $317Net charge-offs
  • $316Cash dividends
  • $126Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.26%Cost of funding earning assets
  • 3.24%Net interest margin
  • 5.02%Noninterest income to earning assets
  • 0.91%Noninterest expense to earning assets
  • 3.42%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 1.48%Return on equity (ROE)
  • 8.23%Retained earnings to average equity (YTD only)
  • 4.96%Net charge-offs to loans
  • 1.81%Credit loss provision to net charge-offs
  • 71.52%Efficiency ratio
  • 57,725Assets per employee
  • 1.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.75%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 91.24%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 1.57%Net loans and leases to deposits
  • 56.95%Net loans and leases to core deposits
  • 63.69%Equity capital to assets
  • 12.27%Core capital (leverage) ratio
  • 12.33%Tier 1 risk-based capital ratio
  • 19.48%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $30,777Average earning assets
  • $3,852Average equity
  • $28,175Average loans

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