Community Trust & Banking Company in Ooltewah, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Trust & Banking Company - Overview

  • General
  • FDIC Certificate #: 35138
    Status: Active
    Federal Reserve ID: 2820604
    Date Established: June 21, 1999
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 75130
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 21, 1999
    Last Structure Change Effective Date: December 14, 2011
    Last Structure Change Process Date: December 15, 2011
    Last Data Update: December 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 9125 Lee Highway, Ooltewah, TN 37363
    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)
  • Financial Summary
  • Total assets: $134.0 mil
    Equity capital: $12.0 mil
    Deposits held in domestic offices: $121.3 mil
    Return on assets (ROA): -0.71% (-$1.0 mil)
    Quarterly return on assets: -1.50% (-$2.0 mil)
    Return on Equity (ROE): -8.17% (-$1.0 mil)
    Quarterly return on equity: -16.52% (-$2.0 mil)
    Net income: -$1.0 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -0.72% (-$965.0 mil)
    Quarterly Pretax return on assets: -1.48% (-$1,983.7 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
  • 36Total employees (full-time equivalent)
  • $134,033Total assets
  • $18,208Cash and due from depository institutions
  • $17,813Interest-bearing balances
  • $9,554Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $97,249Net loans & leases
  • $2,861Loan loss allowance
  • $0Trading account assets
  • $3,536Bank premises and fixed assets
  • $3,785Other real estate owned
  • $0Goodwill and other intangibles
  • $134,033Life insurance assets
  • $1,701All other assets
  • $122,057Total liabilities and capital
  • $121,319Total liabilities
  • $105,744Total deposits
  • $121,319Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $738Subordinated debt
  • $11,976All other liabilities
  • $11,976Total equity capital
  • $11,976Total bank equity capital
  • $0Perpetual preferred stock
  • $2,669Common stock
  • $12,104Surplus
  • $-2,797Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $124Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,259Income earned, not collected on loans
  • $0Earning assets
  • $419Long-term assets (5+ years)
  • $124,616Average Assets, year-to-date
  • $10,669Average Assets, quarterly
  • $140,313Volatile liabilities
  • $134,426Insider loans
  • $95,481FHLB advances
  • $134,797Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,572Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,008Restructured Loans and leases
  • $4,432Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,752Total interest income
  • $1,742Total interest expense
  • $5,010Net interest income
  • $1,230Provision for loan and lease losses
  • -$100Total noninterest income
  • $0Fiduciary activities
  • $212Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$312Additional noninterest income
  • $4,742Total noninterest expense
  • $2,567Salaries and employee benefits
  • $712Premises and equipment expense
  • $1,463Additional noninterest expense
  • -$1,062Pre-tax net operating income
  • $45Securities gains (losses)
  • -$27Applicable income taxes
  • -$990Income before extraordinary items
  • $0Extraordinary gains - net
  • -$990Net income attributable to bank
  • $0Net charge-offs
  • -$990Cash dividends
  • $1,388Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.86%Net interest margin
  • -0.08%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • -0.74%Net operating income to assets
  • -0.71%Return on assets (ROA)
  • -0.72%Pretax return on assets
  • -8.17%Return on equity (ROE)
  • -8.17%Retained earnings to average equity (YTD only)
  • 1.29%Net charge-offs to loans
  • 88.62%Credit loss provision to net charge-offs
  • 0.12%Efficiency ratio
  • 96,578Assets per employee
  • 3.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.86%Loss allowance to noncurrent loans
  • 54.40%Noncurrent assets plus other real estate owned to assets
  • 6.75%Noncurrent loans to loans
  • 5.25%Net loans and leases to deposits
  • 80.16%Net loans and leases to core deposits
  • 85.10%Equity capital to assets
  • 8.94%Core capital (leverage) ratio
  • 8.58%Tier 1 risk-based capital ratio
  • 12.12%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $140,313Average earning assets
  • $12,124Average equity
  • $129,839Average loans

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    075130Community Trust & Banking Company9125 Lee Highway, Ooltewah, TN 37363June 21, 1999Full Service Brick and Mortar
    1290894Community Express Banking Mobile9125 Lee Highway, Ooltewah, TN 37363November 01, 1999Limited Service Mobile
    2363572East Brainered Branch8041 East Brainerd Road, Chattanooga, TN 37411April 22, 2002Full Service Brick and Mortar
    3433456Hixson Pike Branch4712 Hixson Pike, Hixson, TN 37343December 01, 2004Full Service Brick and Mortar

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