Vitals
  • Total Assets
    439.6M 35.9 %
  • Total Deposits
    380.8M 43.0 %
  • Total Net Loans
    285.2M 10.6 %
  • Net Income
    3.6M 15.1 %
  • Book Value
    50.4M 27.6 %
  • Book Value x2
    100.8M 27.6 %
  • Book Value x3
    151.3M 27.6 %
ROAA

.902

ROAE

7.832

Efficiency Ratio

72.238

Net Interest Margin

4.254

Balance Sheet Highlights
Financial Highlights Athens Federal Community Bank National Association All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 439,639 350,717
Total Net Loans 285,217 240,957
Total Deposits 380,785 296,573
Total Equity 50,422 37,152
Profitability
Net Income 3,588 3,593
Return on Average Assets .902 .956
Return on Average Equity 7.832 8.82
Net Interest Margin 4.254 4.036
Efficiency Ratio 72.238 69.386
Noninterest Income/Revenue 25.171 17.129
Balance Sheet Ratios
Loan-to-Deposit 74.902 77.925
Securities/Assets .148 .166
Total Equity/Total Assets .115 .106
Tangible Equity/Tangible Assets .107 .103
Capital Adequacy
Tier 1 Common Capital 47,963 35,983
Tier 1 Capital 47,963 36,157
Tier 2 Capital 3,475 2,649
Total Capital 51,438 38,803
Total Risk Weighted Assets 277,311 253,332
Leverage Ratio 11.12 10.564
Common Equity Tier 1 Capital Ratio 17.3 15.215
Tier 1 Capital Ratio 17.3 15.278
Total Capital Ratio 18.55 16.362

Timeline for Athens Federal Community Bank National Association

Southland Finance, Inc.

Southland Finance, Inc. became a new subsidiary organization for Athens Federal Community Bank National Association.

View Profile Dec 01 2012

Tiserv, Inc.

Tiserv, Inc. became a new subsidiary organization for Athens Federal Community Bank National Association.

View Profile Dec 01 2012

Athens Bancshares Corporation

Athens Bancshares Corporation became a new parent organization for Athens Federal Community Bank National Association.

View Profile Jan 06 2010

Cherokee Valley Federal Savings Association

Acquisition: Athens Federal Community Bank National Association acquired a new subsidiary, Cherokee Valley Federal Savings Association, 29 years

View Profile Sep 24 1994

Athens Federal Community Bank National Association

Athens Federal Community Bank National Association was established 89 years ago and is currently headquartered in Athens, TN.

Aug 01 1934
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Cherokee Valley Federal Savings Association Seller 74,227 Failure 9/24/1994
Relationships Role Relationship Start Relationship End
Athens Bancshares Corporation Parent 9/1/2015
Athens Bancshares Corporation Parent 7/21/2011 8/31/2015
Athens Bancshares Corporation Parent 1/6/2010 7/20/2011
Southland Finance, Inc. Subsidary 12/1/2012
Tiserv, Inc. Subsidary 12/1/2012
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