Civic Bank & Trust in Nashville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Civic Bank & Trust in Nashville, Tennessee (TN)
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Civic Bank & Trust - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    0436989Civic Bank & Trust3325 West End Avenue, Nashville, TN 37203July 25, 2005Full Service Brick and Mortar

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