Cleveland Bank and Trust Company in Cleveland, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 23, 2001

  • Cleveland Bank and Trust Company in Cleveland, Tennessee (TN)
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Cleveland Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 1691
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Tennessee Bank, National Association (#4977)
    Federal Reserve ID: 696131
    Date Established: January 01, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 1113
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 23, 2001
    Last Structure Change Process Date: March 28, 2001
    Last Data Update: March 28, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 775 Raider Drive, Cleveland, TN 37311
    County: Bradley
    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
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Cleveland, TN (#17420)
    CBSA Metro Statistical Area: Cleveland, TN (#17420)
  • Financial Summary
  • Total assets: $265.8 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 108Total employees (full-time equivalent)
  • $265,827Total assets
  • $11,178Cash and due from depository institutions
  • $0Interest-bearing balances
  • $79,644Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $167,382Net loans & leases
  • $2,925Loan loss allowance
  • $0Trading account assets
  • $4,360Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,263All other assets
  • $265,827Total liabilities and capital
  • $245,423Total liabilities
  • $231,140Total deposits
  • $199,178Interest-bearing deposits
  • $231,140Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,783All other liabilities
  • $20,404Total equity capital
  • $20,404Total bank equity capital
  • $20,404Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,000Undivided profits
  • Memoranda
  • $18,404Noncurrent loans and leases
  • $35,532Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $129Earning assets
  • $0Long-term assets (5+ years)
  • $916Average Assets, year-to-date
  • $247,026Average Assets, quarterly
  • $71,909Volatile liabilities
  • $268,317Insider loans
  • $266,507FHLB advances
  • $44,128Loans and leases held for sale
  • $2,507Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $321Total risk weighted assets
  • $35,532Total unused commitments
  • $0Restructured Loans and leases
  • $2,242Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $20,305Total interest income
  • $9,759Total interest expense
  • $10,546Net interest income
  • -$230Provision for loan and lease losses
  • $3,519Total noninterest income
  • $699Fiduciary activities
  • $2,032Service charges on deposit accounts
  • $0Trading account gains & fees
  • $788Additional noninterest income
  • $7,306Total noninterest expense
  • $4,383Salaries and employee benefits
  • $1,028Premises and equipment expense
  • $1,895Additional noninterest expense
  • $6,989Pre-tax net operating income
  • $8Securities gains (losses)
  • $2,550Applicable income taxes
  • $4,447Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,447Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $217Sale, conversion, retirement of capital stock, net
  • $3,850Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.11%Yield on earning assets
  • 3.90%Cost of funding earning assets
  • 4.21%Net interest margin
  • 1.41%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 1.66%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 2.61%Pretax return on assets
  • 22.78%Return on equity (ROE)
  • 3.06%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • -105.99%Credit loss provision to net charge-offs
  • 31.15%Efficiency ratio
  • 51,945Assets per employee
  • 2.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.58%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 2267.44%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 72.42%Net loans and leases to core deposits
  • 84.32%Equity capital to assets
  • 7.68%Core capital (leverage) ratio
  • 7.71%Tier 1 risk-based capital ratio
  • 11.48%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $268,317Average earning assets
  • $19,522Average equity
  • $250,226Average loans

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