Vitals
  • Total Assets
    793.2M 14.6 %
  • Total Deposits
    709.0M 14.7 %
  • Total Net Loans
    439.5M 27.5 %
  • Net Income
    11.7M 16.9 %
  • Book Value
    78.9M 13.7 %
  • Book Value x2
    157.8M 13.7 %
  • Book Value x3
    236.7M 13.7 %
ROAA

1.547

ROAE

15.313

Efficiency Ratio

59.206

Net Interest Margin

4.604

Balance Sheet Highlights
Financial Highlights Citizens Tri-County Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 793,220 350,717
Total Net Loans 439,459 240,957
Total Deposits 708,992 296,573
Total Equity 78,913 37,152
Profitability
Net Income 11,699 3,593
Return on Average Assets 1.547 .956
Return on Average Equity 15.313 8.82
Net Interest Margin 4.604 4.036
Efficiency Ratio 59.206 69.386
Noninterest Income/Revenue 17.37 17.129
Balance Sheet Ratios
Loan-to-Deposit 61.984 77.925
Securities/Assets .318 .166
Total Equity/Total Assets .099 .106
Tangible Equity/Tangible Assets .091 .103
Capital Adequacy
Tier 1 Common Capital 73,147 35,983
Tier 1 Capital 73,147 36,157
Tier 2 Capital 4,966 2,649
Total Capital 78,113 38,803
Total Risk Weighted Assets 396,856 253,332
Leverage Ratio 9.25 10.564
Common Equity Tier 1 Capital Ratio 18.43 15.215
Tier 1 Capital Ratio 18.43 15.278
Total Capital Ratio 19.68 16.362

Timeline for Citizens Tri-County Bank

Franklin County United Bank

Acquisition: Citizens Tri-County Bank acquired a new subsidiary, Franklin County United Bank, 7 years

View Profile Aug 29 2016

Citizens Bank Of Spencer, Tenn.

Acquisition: Citizens Tri-County Bank acquired a new subsidiary, Citizens Bank Of Spencer, Tenn., 12 years

View Profile Jul 16 2011

First National Bank Of Tullahoma

Acquisition: Citizens Tri-County Bank acquired a new subsidiary, First National Bank Of Tullahoma, 17 years

View Profile Aug 26 2006

Citizens Tri-County Development Corporation

Citizens Tri-County Development Corporation became a new subsidiary organization for Citizens Tri-County Bank.

View Profile Mar 01 2004

Sequatchie Life Insurance Company

Sequatchie Life Insurance Company became a new subsidiary organization for Citizens Tri-County Bank.

View Profile Aug 23 1996

Want to see more?

Complete timeline for Citizens Tri-County Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Franklin County United Bank Seller 76,889 Pooling of Interests Discontinued 8/29/2016
Citizens Bank Of Spencer, Tenn. Seller 44,336 Acquisition Discontinued 7/16/2011
First National Bank Of Tullahoma Seller 60,229 Acquisition Discontinued 8/26/2006
Bledsoe County Bank Seller 5,272 Failure 5/18/1984
Relationships Role Relationship Start Relationship End
Sequatchie Valley Bancshares, Inc. Parent 9/15/1983
Sequatchie Life Insurance Company Subsidary 6/30/2007
Citizens Tri-County Development Corporation Subsidary 6/30/2007
Sequatchie Life Insurance Company Subsidary 8/23/1996 6/29/2007
Citizens Tri-County Development Corporation Subsidary 3/1/2004 6/29/2007
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