FDIC Certificate #: 58040 Status: Active Federal Reserve ID: 3328376 Date Established: July 25, 2005 WWW:http://www.civicbanktn.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 436989 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: July 25, 2005 Last Structure Change Effective Date: March 08, 2011 Last Structure Change Process Date: March 08, 2011 Last Data Update: March 08, 2011 Data Source Date: April 05, 2012
Location
Address: 3325 West End Avenue, Nashville, TN 37203 County: Davidson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Nashville Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Nashville, TN (#5360) Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400) Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980) CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
Financial Summary
Total assets: $136.2 mil Equity capital: $16.9 mil Deposits held in domestic offices: $110.1 mil Return on assets (ROA): 0.64% ($0.9 mil) Quarterly return on assets: 0.27% ($0.4 mil) Return on Equity (ROE): 5.29% ($0.9 mil) Quarterly return on equity: 2.13% ($0.4 mil) Net income: $0.8 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.64% ($871.5 mil) Quarterly Pretax return on assets: 0.27% ($367.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$136,174Total assets
$9,514Cash and due from depository institutions
$2,256Interest-bearing balances
$45,272Securities
$12,071Federal funds sold & reverse repurchase agreements
$66,256Net loans & leases
$3,163Loan loss allowance
$0Trading account assets
$351Bank premises and fixed assets
$652Other real estate owned
$0Goodwill and other intangibles
$136,174Life insurance assets
$2,058All other assets
$119,258Total liabilities and capital
$110,147Total liabilities
$107,898Total deposits
$110,147Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,112Trading liabilities
$0Other borrowed funds
$999Subordinated debt
$16,916All other liabilities
$16,916Total equity capital
$16,916Total bank equity capital
$0Perpetual preferred stock
$2,636Common stock
$21,708Surplus
$-7,428Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,181Income earned, not collected on loans
$0Earning assets
$645Long-term assets (5+ years)
$125,855Average Assets, year-to-date
$43,010Average Assets, quarterly
$127,989Volatile liabilities
$132,533Insider loans
$72,999FHLB advances
$131,931Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,988Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,425Restructured Loans and leases
$4,231Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,249Total interest income
$1,817Total interest expense
$4,432Net interest income
$420Provision for loan and lease losses
$69Total noninterest income
$0Fiduciary activities
$46Service charges on deposit accounts
$0Trading account gains & fees
$23Additional noninterest income
$3,284Total noninterest expense
$1,640Salaries and employee benefits
$483Premises and equipment expense
$1,161Additional noninterest expense
$797Pre-tax net operating income
$23Securities gains (losses)
$0Applicable income taxes
$820Income before extraordinary items
$0Extraordinary gains - net
$820Net income attributable to bank
$0Net charge-offs
$820Cash dividends
$1,216Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.21%Yield on earning assets
1.52%Cost of funding earning assets
3.70%Net interest margin
0.06%Noninterest income to earning assets
2.74%Noninterest expense to earning assets
0.62%Net operating income to assets
0.64%Return on assets (ROA)
0.64%Pretax return on assets
5.29%Return on equity (ROE)
5.29%Retained earnings to average equity (YTD only)
1.61%Net charge-offs to loans
34.54%Credit loss provision to net charge-offs
1.00%Efficiency ratio
72,962Assets per employee
8.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.56%Loss allowance to noncurrent loans
75.65%Noncurrent assets plus other real estate owned to assets
3.55%Noncurrent loans to loans
6.02%Net loans and leases to deposits
60.15%Net loans and leases to core deposits
74.15%Equity capital to assets
12.42%Core capital (leverage) ratio
12.12%Tier 1 risk-based capital ratio
21.90%Total risk-based capital ratio
Memoranda
$23Average assets
$127,989Average earning assets
$15,497Average equity
$119,930Average loans
List of branches
1 Tennessee Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
436989
Civic Bank & Trust
3325 West End Avenue, Nashville, TN 37203
July 25, 2005
Full Service Brick and Mortar
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