Community Trust & Banking Company in Ooltewah, Tennessee (TN)

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Community Trust & Banking Company
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)36
Total assets$134,033
Cash and due from depository institutions$18,208
Interest-bearing balances$17,813
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$97,249
Loan loss allowance $2,861
Trading account assets$0
Bank premises and fixed assets$3,536
Other real estate owned$3,785
Goodwill and other intangibles$0
All other assets$1,701
Life insurance assets$134,033
Total liabilities and capital$122,057
Total liabilities$121,319
Total deposits$105,744
Interest-bearing deposits$121,319
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $738
All other liabilities $11,976
Total equity capital$11,976
Total bank equity capital$11,976
Perpetual preferred stock$0
Common stock$2,669
Undivided profits $-2,797
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $124
Income earned, not collected on loans $5,259
Earning assets $0
Long-term assets (5+ years) $419
Average Assets, year-to-date $124,616
Average Assets, quarterly $10,669
Volatile liabilities $140,313
Insider loans $134,426
FHLB advances $95,481
Loans and leases held for sale $134,797
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,572
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,008
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,752
Total interest expense $1,742
Net interest income $5,010
Provision for loan and lease losses $1,230
Total noninterest income -$100
Fiduciary activities $0
Service charges on deposit accounts $212
Trading account gains & fees $0
Additional noninterest income -$312
Total noninterest expense $4,742
Salaries and employee benefits $2,567
Premises and equipment expense $712
Additional noninterest expense $1,463
Pre-tax net operating income -$1,062
Securities gains (losses) $45
Applicable income taxes -$27
Income before extraordinary items -$990
Extraordinary gains - net $0
Net income attributable to bank -$990
Net charge-offs $0
Cash dividends -$990
Sale, conversion, retirement of capital stock, net $1,388
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.20%
Cost of funding earning assets 1.34%
Net interest margin 3.86%
Noninterest income to earning assets -0.08%
Noninterest expense to earning assets 3.65%
Net operating income to assets -0.74%
Return on assets (ROA) -0.71%
Pretax return on assets -0.72%
Return on equity (ROE) -8.17%
Retained earnings to average equity (YTD only) -8.17%
Net charge-offs to loans 1.29%
Credit loss provision to net charge-offs 88.62%
Efficiency ratio0.12%
Assets per employee$96,578
Cash dividends to net income (YTD only)3.72%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.86%
Noncurrent assets plus other real estate owned to assets 54.40%
Noncurrent loans to loans 6.75%
Net loans and leases to deposits5.25%
Net loans and leases to core deposits 80.16%
Equity capital to assets 85.10%
Core capital (leverage) ratio 8.94%
Tier 1 risk-based capital ratio 8.58%
Total risk-based capital ratio 12.12%
Average assets$13
Average earning assets$140,313
Average equity $12,124
Average loans $129,839
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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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