Community Bank & Trust in Ashland City, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank & Trust - Overview

  • General
  • FDIC Certificate #: 35258
    Status: Active
    Federal Reserve ID: 2851185
    Bank Holding Company (Regulatory Top Holder): Community Trust, Inc. (RSSDID: 3213847, Location: Ashland City, TN)
    Date Established: October 04, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 77222
    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: October 04, 1999
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 575 South Main Street, Ashland City, TN 37015
    County: Cheatham
    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)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $216.9 mil
    Equity capital: $21.5 mil
    Deposits held in domestic offices: $181.0 mil
    Return on assets (ROA): -0.59% (-$1.3 mil)
    Quarterly return on assets: -3.61% (-$7.8 mil)
    Return on Equity (ROE): -5.78% (-$1.2 mil)
    Quarterly return on equity: -35.02% (-$7.4 mil)
    Net income: -$1.3 mil
    Quarterly Net income: -$2.0 mil
    Pretax return on assets: -0.95% (-$2,060.8 mil)
    Quarterly Pretax return on assets: -5.34% (-$11,583.7 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
  • 58Total employees (full-time equivalent)
  • $216,923Total assets
  • $3,759Cash and due from depository institutions
  • $535Interest-bearing balances
  • $54,588Securities
  • $4,845Federal funds sold & reverse repurchase agreements
  • $136,533Net loans & leases
  • $2,881Loan loss allowance
  • $0Trading account assets
  • $6,179Bank premises and fixed assets
  • $2,034Other real estate owned
  • $0Goodwill and other intangibles
  • $216,923Life insurance assets
  • $8,985All other assets
  • $195,452Total liabilities and capital
  • $181,021Total liabilities
  • $146,065Total deposits
  • $181,021Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,271Trading liabilities
  • $0Other borrowed funds
  • $1,160Subordinated debt
  • $21,471All other liabilities
  • $21,471Total equity capital
  • $21,471Total bank equity capital
  • $0Perpetual preferred stock
  • $721Common stock
  • $11,634Surplus
  • $9,116Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,719Income earned, not collected on loans
  • $0Earning assets
  • $951Long-term assets (5+ years)
  • $196,501Average Assets, year-to-date
  • $42,743Average Assets, quarterly
  • $217,562Volatile liabilities
  • $218,151Insider loans
  • $149,967FHLB advances
  • $218,714Loans and leases held for sale
  • $3,429Unused loan commitments
  • $3,429Tier 1 (core) risk-based capital
  • $20,845Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,668Restructured Loans and leases
  • $3,504Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,619Total interest income
  • $2,274Total interest expense
  • $8,345Net interest income
  • $4,530Provision for loan and lease losses
  • $320Total noninterest income
  • $0Fiduciary activities
  • $857Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$537Additional noninterest income
  • $6,556Total noninterest expense
  • $2,787Salaries and employee benefits
  • $597Premises and equipment expense
  • $3,172Additional noninterest expense
  • -$2,421Pre-tax net operating income
  • $357Securities gains (losses)
  • -$770Applicable income taxes
  • -$1,294Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,294Net income attributable to bank
  • $0Net charge-offs
  • -$1,294Cash dividends
  • $4,785Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.43%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.26%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • -0.70%Net operating income to assets
  • -0.59%Return on assets (ROA)
  • -0.95%Pretax return on assets
  • -5.78%Return on equity (ROE)
  • -5.78%Retained earnings to average equity (YTD only)
  • 3.29%Net charge-offs to loans
  • 94.67%Credit loss provision to net charge-offs
  • 0.44%Efficiency ratio
  • 75,661Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.07%Loss allowance to noncurrent loans
  • 42.88%Noncurrent assets plus other real estate owned to assets
  • 4.04%Noncurrent loans to loans
  • 4.82%Net loans and leases to deposits
  • 75.42%Net loans and leases to core deposits
  • 85.37%Equity capital to assets
  • 9.90%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 13.90%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $217,562Average earning assets
  • $22,401Average equity
  • $195,684Average loans

List of branches

  • 5 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    077222Community Bank & Trust575 South Main Street, Ashland City, TN 37015October 04, 1999Full Service Brick and Mortar
    1290906South Cheatham Branch704 Highway 70, Pegram, TN 37143October 04, 1999Full Service Brick and Mortar
    2362612Kingston Springs Branch101 W. Kingston Springs Road, Suite A, Kingston Springs, TN 37082December 10, 2001Full Service Brick and Mortar
    3419522Pleasant View Branch2566 Highway 49 E, Pleasant View, TN 37146December 16, 2002Full Service Brick and Mortar
    4439880Springfield Office/Branch Of Communi3564 Tom Austin Highway, Springfield, TN 37172April 18, 2005Full Service Brick and Mortar

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