Vitals
  • Total Assets
    1.6B 25.8 %
  • Total Deposits
    1.3B 27.3 %
  • Total Net Loans
    839.5M 29.1 %
  • Net Income
    16.4M 18.6 %
  • Book Value
    176.2M 29.8 %
  • Book Value x2
    352.4M 29.8 %
  • Book Value x3
    528.6M 29.8 %
ROAA

1.151

ROAE

10.447

Efficiency Ratio

63.358

Net Interest Margin

4.127

Balance Sheet Highlights
Financial Highlights First Citizens National Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 1,598,928 350,717
Total Net Loans 839,532 240,957
Total Deposits 1,341,166 296,573
Total Equity 178,252 37,152
Profitability
Net Income 16,398 3,593
Return on Average Assets 1.151 .956
Return on Average Equity 10.447 8.82
Net Interest Margin 4.127 4.036
Efficiency Ratio 63.358 69.386
Noninterest Income/Revenue 20.557 17.129
Balance Sheet Ratios
Loan-to-Deposit 62.597 77.925
Securities/Assets .364 .166
Total Equity/Total Assets .111 .106
Tangible Equity/Tangible Assets .095 .103
Capital Adequacy
Tier 1 Common Capital 154,847 35,983
Tier 1 Capital 155,751 36,157
Tier 2 Capital 8,832 2,649
Total Capital 164,583 38,803
Total Risk Weighted Assets 992,520 253,332
Leverage Ratio 9.89 10.564
Common Equity Tier 1 Capital Ratio 15.6 15.215
Tier 1 Capital Ratio 15.69 15.278
Total Capital Ratio 16.58 16.362

Timeline for First Citizens National Bank

Southern Heritage Bank

Acquisition: First Citizens National Bank acquired a new subsidiary, Southern Heritage Bank, 8 years

View Profile Sep 30 2016

First Citizens Investments, Inc

First Citizens Investments, Inc became a new subsidiary organization for First Citizens National Bank.

View Profile Nov 01 2003

The Munford Union Bank

Acquisition: First Citizens National Bank acquired a new subsidiary, The Munford Union Bank, 21 years

View Profile Jun 14 2003

Nevada Investments Iii

Nevada Investments Iii became a new subsidiary organization for First Citizens National Bank.

View Profile Jun 14 2003

Nevada Investments Iv

Nevada Investments Iv became a new subsidiary organization for First Citizens National Bank.

View Profile Jun 14 2003

Want to see more?

Complete timeline for First Citizens National Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Southern Heritage Bank Seller 274,916 Pooling of Interests Discontinued 9/30/2016
The Munford Union Bank Seller 153,079 Pooling of Interests Discontinued 6/14/2003
First Volunteer Bank Seller 48,626 Pooling of Interests Discontinued 6/14/1999
The Bank Of Troy Seller 56,626 Pooling of Interests Discontinued 2/13/1999
Bank Of Yorkville Seller 7,112 Failure 2/20/1982
Relationships Role Relationship Start Relationship End
First Citizens Bancshares, Inc. Parent 9/23/1983
White & Associates/First Citizens Insurance, Llc Subsidary 3/10/1998
First Citizens Investments, Inc Subsidary 6/30/2007
First Citizens Financial Plus, Inc. Subsidary 6/30/2007 4/25/2016
First Citizens/White & Associates Insurance Company Subsidary 12/31/1998 9/29/2014
First Citizens Financial Plus, Inc. Subsidary 1/1/1985 6/29/2007
First Citizens Investments, Inc Subsidary 11/1/2003 6/29/2007
Delta Finance Company Subsidary 3/1/1997 12/16/2003
Nevada Investments I, Inc Subsidary 7/31/2000 10/31/2003
Nevada Investments Iii Subsidary 6/14/2003 6/15/2003
Nevada Investments Iv Subsidary 6/14/2003 6/15/2003
Similar Organizations
Organization City State Total Assets
Merchants Bank, National Association
 		Winona MN 1.7B
Austin Bank, Texas National Association
 		Jacksonville TX 1.6B
American National Bank And Trust Company
 		Danville VA 1.6B
Home Bank, National Association
 		Lafayette LA 1.5B
Citizens National Bank
 		Henderson TX 1.7B
First National Bank
 		Damariscotta ME 1.6B
National Bank Of Commerce
 		Birmingham AL 1.8B
First National Bank Texas
 		Killeen TX 1.5B
First Dakota National Bank
 		Yankton SD 1.4B
Guaranty Bank & Trust, N.A.
 		Mount Pleasant TX 1.8B