First Trust and Savings Bank, Oneida, Tennessee in city_name, state_name

First Trust and Savings Bank, Oneida, Tennessee in Oneida, Tennessee (TN)
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First Trust and Savings Bank, Oneida, Tennessee routing number info

First Trust and Savings Bank, Oneida, Tennessee - Overview

General
FDIC Certificate #: 6109
Status: Active
Federal Reserve ID: 700739
Bank Holding Company (Regulatory Top Holder): Mccreary Bancshares Inc. (RSSDID: 1071342, Location: Whitley City, KY)
Date Established: September 09, 1923
WWW: http://www.ftsb.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 13421
FDIC's unique #: 4130
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: 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: 106 Municipal Drive, Oneida, TN 37841
County: Scott
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Chicago
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: $148.9 mil
Equity capital: $14.6 mil
Deposits held in domestic offices: $126.7 mil
Return on assets (ROA): 0.19% ($0.3 mil)
Quarterly return on assets: -0.21% (-$0.3 mil)
Return on Equity (ROE): 1.96% ($0.3 mil)
Quarterly return on equity: -2.07% (-$0.3 mil)
Net income: $0.3 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.19% ($283.0 mil)
Quarterly Pretax return on assets: -0.50% (-$744.7 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
47Total employees (full-time equivalent)
$148,947Total assets
$19,732Cash and due from depository institutions
$14,179Interest-bearing balances
$14,110Securities
$0Federal funds sold & reverse repurchase agreements
$107,457Net loans & leases
$2,477Loan loss allowance
$0Trading account assets
$2,781Bank premises and fixed assets
$3,437Other real estate owned
$50Goodwill and other intangibles
$148,947Life insurance assets
$1,380All other assets
$134,346Total liabilities and capital
$126,674Total liabilities
$107,176Total deposits
$126,674Interest-bearing deposits
$95Deposits held in domestic offices
1000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,419Trading liabilities
$0Other borrowed funds
$253Subordinated debt
$14,601All other liabilities
$14,601Total equity capital
$14,601Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$3,840Surplus
$10,261Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,334Income earned, not collected on loans
$0Earning assets
$543Long-term assets (5+ years)
$135,746Average Assets, year-to-date
$35,670Average Assets, quarterly
$147,181Volatile liabilities
$147,309Insider loans
$95,947FHLB advances
$146,645Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,329Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,046Restructured Loans and leases
$1,975Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,772Total interest income
$1,756Total interest expense
$6,016Net interest income
$2,191Provision for loan and lease losses
$1,096Total noninterest income
$0Fiduciary activities
$658Service charges on deposit accounts
$0Trading account gains & fees
$438Additional noninterest income
$4,668Total noninterest expense
$1,932Salaries and employee benefits
$629Premises and equipment expense
$2,107Additional noninterest expense
$253Pre-tax net operating income
$30Securities gains (losses)
-$3Applicable income taxes
$286Income before extraordinary items
$0Extraordinary gains - net
$286Net income attributable to bank
$0Net charge-offs
$286Cash dividends
$1,707Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.72%Yield on earning assets
1.29%Cost of funding earning assets
4.43%Net interest margin
0.81%Noninterest income to earning assets
3.44%Noninterest expense to earning assets
0.17%Net operating income to assets
0.19%Return on assets (ROA)
0.19%Pretax return on assets
1.96%Return on equity (ROE)
1.96%Retained earnings to average equity (YTD only)
1.49%Net charge-offs to loans
128.35%Credit loss provision to net charge-offs
1.43%Efficiency ratio
65,636Assets per employee
3.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.25%Loss allowance to noncurrent loans
33.77%Noncurrent assets plus other real estate owned to assets
7.23%Noncurrent loans to loans
6.67%Net loans and leases to deposits
84.83%Net loans and leases to core deposits
90.25%Equity capital to assets
9.80%Core capital (leverage) ratio
9.77%Tier 1 risk-based capital ratio
14.93%Total risk-based capital ratio
Memoranda
$16Average assets
$147,181Average earning assets
$14,583Average equity
$135,858Average loans

List of branches

5 Tennessee Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4130	First Trust And Savings Bank, Oneida, Tennessee	106 Municipal Drive, Oneida, TN 37841	September 09, 1923	Full Service Brick and Mortar
3	208756	Scott High Drive Branch	Scott High Drive And Highway 63, Helenwood, TN 37755	September 19, 1988	Full Service Brick and Mortar
4	208757	Jacksboro Office	2824 Appalachia Highway, Jacksboro, TN 37757	May 19, 1999	Full Service Retail
5	208758	Oneida Plaza Branch	19740 Alberta Street And Claude Terry Drive, Oneida, TN 37841	October 13, 1999	Full Service Retail
6	479022	Jacksboro Main Office Branch	2828 Appalachian Hwy, Jacksboro, TN 37757	September 12, 2007	Full Service Brick and Mortar

First Trust and Savings Bank, Oneida, Tennessee in Oneida, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Trust and Savings Bank, Oneida, Tennessee - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Trust and Savings Bank, Oneida, Tennessee in Oneida, Tennessee (TN)Overview, Financial Summary, Detailed Financial Reports, Branches

First Trust and Savings Bank, Oneida, Tennessee - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Trust and Savings Bank, Oneida, Tennessee in Oneida, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches