Citizens Tri-County Bank in Dunlap, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens Tri-County Bank in Dunlap, Tennessee (TN)
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Citizens Tri-County Bank routing number info

Citizens Tri-County Bank - Overview

  • General
  • FDIC Certificate #: 20818
    Status: Active
    Federal Reserve ID: 162337
    Bank Holding Company (Regulatory Top Holder): Sequatchie Valley Bancshares, Inc. (RSSDID: 1085330, Location: Dunlap, TN)
    Date Established: October 02, 1972
    WWW: http://www.ctcbonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 22 (Domestic: 22, Interstate: No)
    OTS Docket #: 9076
    FDIC's unique #: 14382
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 02, 1972
    Last Structure Change Effective Date: July 18, 2011
    Last Structure Change Process Date: August 09, 2011
    Last Data Update: August 09, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 15699 Rankin Avenue, Dunlap, TN 37327
    County: Sequatchie
    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
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $568.5 mil
    Equity capital: $61.1 mil
    Deposits held in domestic offices: $503.4 mil
    Return on assets (ROA): 0.67% ($3.8 mil)
    Quarterly return on assets: 0.52% ($3.0 mil)
    Return on Equity (ROE): 6.41% ($3.9 mil)
    Quarterly return on equity: 4.79% ($2.9 mil)
    Net income: $3.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.72% ($4,092.9 mil)
    Quarterly Pretax return on assets: 0.56% ($3,183.4 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
  • 228Total employees (full-time equivalent)
  • $568,463Total assets
  • $52,529Cash and due from depository institutions
  • $6,883Interest-bearing balances
  • $160,548Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $303,308Net loans & leases
  • $6,471Loan loss allowance
  • $0Trading account assets
  • $14,093Bank premises and fixed assets
  • $10,614Other real estate owned
  • $6,289Goodwill and other intangibles
  • $568,463Life insurance assets
  • $21,082All other assets
  • $507,333Total liabilities and capital
  • $503,370Total liabilities
  • $432,273Total deposits
  • $503,370Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,963Subordinated debt
  • $61,130All other liabilities
  • $61,130Total equity capital
  • $61,130Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $23,000Surplus
  • $37,930Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,825Income earned, not collected on loans
  • $0Earning assets
  • $3,433Long-term assets (5+ years)
  • $470,739Average Assets, year-to-date
  • $116,823Average Assets, quarterly
  • $537,122Volatile liabilities
  • $568,286Insider loans
  • $339,882FHLB advances
  • $565,252Loans and leases held for sale
  • $8,633Unused loan commitments
  • $8,633Tier 1 (core) risk-based capital
  • $50,894Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,880Restructured Loans and leases
  • $1,801Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,012Total interest income
  • $5,618Total interest expense
  • $21,394Net interest income
  • $4,335Provision for loan and lease losses
  • $3,675Total noninterest income
  • $0Fiduciary activities
  • $4,628Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$953Additional noninterest income
  • $16,893Total noninterest expense
  • $8,390Salaries and employee benefits
  • $2,399Premises and equipment expense
  • $6,104Additional noninterest expense
  • $3,841Pre-tax net operating income
  • $0Securities gains (losses)
  • $230Applicable income taxes
  • $3,611Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,611Net income attributable to bank
  • $0Net charge-offs
  • $3,611Cash dividends
  • $5,114Sale, conversion, retirement of capital stock, net
  • $2,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.13%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.85%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 6.41%Return on equity (ROE)
  • 1.80%Retained earnings to average equity (YTD only)
  • 1.66%Net charge-offs to loans
  • 84.77%Credit loss provision to net charge-offs
  • 1.60%Efficiency ratio
  • 66,345Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.00%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 36.30%Noncurrent assets plus other real estate owned to assets
  • 5.00%Noncurrent loans to loans
  • 5.75%Net loans and leases to deposits
  • 60.26%Net loans and leases to core deposits
  • 63.70%Equity capital to assets
  • 10.75%Core capital (leverage) ratio
  • 9.00%Tier 1 risk-based capital ratio
  • 14.97%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $537,122Average earning assets
  • $56,291Average equity
  • $440,958Average 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
  • $501Managed Assets
  • 1Number of Accounts
  • $501Personal trust and agency accounts
  • $501Employee 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
  • 96Number 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

  • 22 Tennessee Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    014382Citizens Tri-County Bank15699 Rankin Avenue, Dunlap, TN 37327October 02, 1972Full Service Brick and Mortar
    1251727South Dunlap Motor BranchState Highway 28 And Us Highway 127, Dunlap, TN 37327May 31, 1977Limited Service Facility
    215170Bledsoe Branch3468 Main St., Pikeville, TN 37367January 06, 1975Full Service Brick and Mortar
    3222911Altamont Branch1548 Main Street, Altamont, TN 37301July 24, 1974Full Service Brick and Mortar
    4222912Palmer Branch711 Main St., Palmer, TN 37365October 21, 1977Full Service Brick and Mortar
    5222913Tracy City BranchOak And Colyar Streets, Tracy City, TN 37387November 21, 1977Full Service Brick and Mortar
    6251728Whitwell Branch14087 Highway 28 North, Whitwell, TN 37397May 09, 1994Full Service Brick and Mortar
    7278408South Pittsburg Branch402 Cedar Avenue, South Pittsburg, TN 37380January 01, 1938Full Service Brick and Mortar
    8251729Jasper Branch4765 Main Street, Jasper, TN 37347Febuary 05, 1999Full Service Brick and Mortar
    9334312Signal Mountain Branch1306 Taft Highway, Signal Mountain, TN 37377March 13, 2000Full Service Brick and Mortar
    103310Tracy City Branch416 Railroad Avenue, Tracy City, TN 37387July 18, 1904Full Service Brick and Mortar
    12427125Industrial Motor Branch36 Resource Road, Industrial Park, Dunlap, TN 37327April 05, 2004Limited Service Facility
    13430463Soddy Daisy Branch8575 Dayton Pike, Soddy Daisy, TN 37379August 02, 2004Full Service Brick and Mortar
    1414321Warren Branch101 West Main Street, Mcminnville, TN 37110July 03, 1972Full Service Brick and Mortar
    15251620Plaza Branch32 Mcminnville Shopping Center, Mcminnville, TN 37110August 25, 1975Full Service Brick and Mortar
    16444994Monteagle Branch80 East Main Street, Monteagle, TN 37356October 11, 2005Full Service Brick and Mortar
    17451140Citizens Tri-County Bank Mount Leo B900 Beersheba Highway, Mc Minnville, TN 37110May 01, 2006Limited Service Facility
    183311Tullahoma Branch201 N Jackson St, Tullahoma, TN 37388January 11, 1884Full Service Brick and Mortar
    19205855West Lincoln Street Branch501 West Lincoln Street, Tullahoma, TN 37388January 22, 1965Full Service Brick and Mortar
    20205860Kings Lane Branch701 Kings Lane, Tullahoma, TN 37388September 29, 1995Limited Service Facility
    21473476Coalmont Branch25709 State Route 56, Coalmont, TN 37313March 17, 2008Limited Service Facility
    224115Spencer Branch489 Spring Street, Spencer, TN 38585January 01, 1914Full Service Brick and Mortar

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