CapitalMark Bank & Trust in Chattanooga, Tennessee (TN)

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CapitalMark Bank & Trust routing number info

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CapitalMark Bank & Trust
GeneralFDIC Certificate #: 58507
Status: Active
Federal Reserve ID: 3560783
Date Established: March 05, 2007
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 454896
Numeric code: 13
Regulator: FED
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 05, 2007
Last Structure Change Effective Date: March 05, 2007
Last Structure Change Process Date: March 05, 2007
Last Data Update: March 05, 2007
Data Source Date: April 05, 2012
LocationAddress: 801 Broad Street, Chattanooga, TN 37402
County: Hamilton
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
Metropolitan Statistical Area (MSA): Chattanooga, TN-GA (#1560)
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 ChangesCorrections
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial SummaryTotal assets: $662.1 mil
Equity capital: $70.7 mil
Deposits held in domestic offices: $573.0 mil
Return on assets (ROA): 0.63% ($4.2 mil)
Quarterly return on assets: 0.73% ($4.8 mil)
Return on Equity (ROE): 5.95% ($4.2 mil)
Quarterly return on equity: 6.42% ($4.6 mil)
Net income: $3.4 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 0.89% ($5,892.4 mil)
Quarterly Pretax return on assets: 1.07% ($7,084.2 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)
Total employees (full-time equivalent)76
Total assets$662,071
Cash and due from depository institutions$15,676
Interest-bearing balances$5,544
Federal funds sold & reverse repurchase agreements$615
Net loans & leases$358,653
Loan loss allowance $4,558
Trading account assets$0
Bank premises and fixed assets$3,311
Other real estate owned$2,722
Goodwill and other intangibles$0
All other assets$9,859
Life insurance assets$662,071
Total liabilities and capital$591,368
Total liabilities$572,967
Total deposits$513,330
Interest-bearing deposits$572,967
Deposits held in domestic offices$65
% insured (estimated)1324.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$15,000
Other borrowed funds $0
Subordinated debt $2,077
All other liabilities $70,703
Total equity capital$70,703
Total bank equity capital$70,703
Perpetual preferred stock$18,212
Common stock$6,780
Undivided profits $4,451
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $4,757
Income earned, not collected on loans $5,519
Earning assets $0
Long-term assets (5+ years) $2,505
Average Assets, year-to-date $636,047
Average Assets, quarterly $263,753
Volatile liabilities $537,172
Insider loans $621,184
FHLB advances $435,476
Loans and leases held for sale $619,495
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $70,000
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $102,815
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $24,248
Total interest expense $4,602
Net interest income $19,646
Provision for loan and lease losses $2,510
Total noninterest income $1,339
Fiduciary activities $512
Service charges on deposit accounts $400
Trading account gains & fees $0
Additional noninterest income $427
Total noninterest expense $13,869
Salaries and employee benefits $7,763
Premises and equipment expense $1,499
Additional noninterest expense $4,607
Pre-tax net operating income $4,606
Securities gains (losses) $174
Applicable income taxes $1,379
Income before extraordinary items $3,401
Extraordinary gains - net $0
Net income attributable to bank $3,401
Net charge-offs $0
Cash dividends $3,401
Sale, conversion, retirement of capital stock, net $3,976
Net operating income $157
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.72%
Cost of funding earning assets 0.90%
Net interest margin 3.82%
Noninterest income to earning assets 0.26%
Noninterest expense to earning assets 2.70%
Net operating income to assets 0.61%
Return on assets (ROA) 0.63%
Pretax return on assets 0.89%
Return on equity (ROE) 5.95%
Retained earnings to average equity (YTD only) 5.68%
Net charge-offs to loans 1.19%
Credit loss provision to net charge-offs 63.13%
Efficiency ratio1.79%
Assets per employee$66,090
Cash dividends to net income (YTD only)8.71%
Condition Ratios (%)
Loss allowance to loans 4.62%
Loss allowance to noncurrent loans 1.25%
Noncurrent assets plus other real estate owned to assets 82.59%
Noncurrent loans to loans 1.24%
Net loans and leases to deposits1.52%
Net loans and leases to core deposits 62.60%
Equity capital to assets 82.51%
Core capital (leverage) ratio 10.68%
Tier 1 risk-based capital ratio 11.30%
Total risk-based capital ratio 16.07%
Average assets$17
Average earning assets$537,172
Average equity $57,126
Average loans $514,022
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$82,925
Number of Accounts1
Personal trust and agency accounts$28,003
Employee benefit-defined contribution accounts$21,679
Employee benefit-defined benefit accounts$176
Other retirement accounts$0
Corporate trust and agency accounts$3,049
Investment management agency accounts$977
Other fiduciary accounts$2,030
Fiduciary accounts held in foreign offices$0
Non-managed Assets$92
Number of Accounts203
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$3,049
Employee benefit-defined benefit accounts$0
Other retirement accounts$54,922
Corporate trust and agency accounts$31,723
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$23,199
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2 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0454896Capitalmark Bank & Trust801 Broad Street, Chattanooga, TN 37402March 05, 2007Full Service Brick and Mortar
1479365Capitalmark Bank & Trust Branch551 W. Main St., Knoxville, TN 37902November 05, 2007Full Service Brick and Mortar
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