Cumberland Bank and Trust in Clarksville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Cumberland Bank and Trust in Clarksville, Tennessee (TN)
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Cumberland Bank and Trust - Overview

  • General
  • FDIC Certificate #: 57091
    Status: Active
    Federal Reserve ID: 2997926
    Bank Holding Company (Regulatory Top Holder): Cumberland Bancorp, Inc. (RSSDID: 3927069, Location: Clarksville, TN)
    Date Established: March 05, 2001
    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 #: 357248
    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: March 05, 2001
    Last Structure Change Effective Date: August 03, 2009
    Last Structure Change Process Date: September 28, 2009
    Last Data Update: September 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 502 Madison St, Clarksville, TN 37040
    County: Montgomery
    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): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $153.1 mil
    Equity capital: $13.4 mil
    Deposits held in domestic offices: $132.7 mil
    Return on assets (ROA): 1.01% ($1.5 mil)
    Quarterly return on assets: 0.94% ($1.4 mil)
    Return on Equity (ROE): 12.12% ($1.6 mil)
    Quarterly return on equity: 11.00% ($1.4 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.57% ($2,403.2 mil)
    Quarterly Pretax return on assets: 1.46% ($2,234.9 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
  • 44Total employees (full-time equivalent)
  • $153,073Total assets
  • $10,896Cash and due from depository institutions
  • $5,359Interest-bearing balances
  • $15,150Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $119,137Net loans & leases
  • $1,201Loan loss allowance
  • $0Trading account assets
  • $4,973Bank premises and fixed assets
  • $957Other real estate owned
  • $0Goodwill and other intangibles
  • $153,073Life insurance assets
  • $1,960All other assets
  • $139,680Total liabilities and capital
  • $132,683Total liabilities
  • $119,739Total deposits
  • $132,683Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,236Trading liabilities
  • $0Other borrowed funds
  • $761Subordinated debt
  • $13,393All other liabilities
  • $13,393Total equity capital
  • $13,393Total bank equity capital
  • $0Perpetual preferred stock
  • $835Common stock
  • $8,153Surplus
  • $4,405Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $992Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $883Income earned, not collected on loans
  • $0Earning assets
  • $731Long-term assets (5+ years)
  • $139,646Average Assets, year-to-date
  • $17,980Average Assets, quarterly
  • $149,476Volatile liabilities
  • $154,942Insider loans
  • $122,992FHLB advances
  • $152,451Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,944Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,486Restructured Loans and leases
  • $2,468Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,830Total interest income
  • $1,438Total interest expense
  • $6,392Net interest income
  • $300Provision for loan and lease losses
  • $852Total noninterest income
  • $0Fiduciary activities
  • $240Service charges on deposit accounts
  • $0Trading account gains & fees
  • $612Additional noninterest income
  • $4,597Total noninterest expense
  • $2,359Salaries and employee benefits
  • $675Premises and equipment expense
  • $1,563Additional noninterest expense
  • $2,347Pre-tax net operating income
  • $7Securities gains (losses)
  • $844Applicable income taxes
  • $1,510Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,510Net income attributable to bank
  • $0Net charge-offs
  • $1,510Cash dividends
  • $280Sale, conversion, retirement of capital stock, net
  • $177Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.73%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.68%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 12.12%Return on equity (ROE)
  • 10.70%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 107.14%Credit loss provision to net charge-offs
  • 9.45%Efficiency ratio
  • 63,459Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.72%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 136.01%Noncurrent assets plus other real estate owned to assets
  • 1.20%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 89.79%Net loans and leases to core deposits
  • 99.51%Equity capital to assets
  • 8.75%Core capital (leverage) ratio
  • 8.49%Tier 1 risk-based capital ratio
  • 10.52%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $149,476Average earning assets
  • $12,462Average equity
  • $136,540Average loans

List of branches

  • 5 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0357248Cumberland Bank And Trust502 Madison St, Clarksville, TN 37040March 05, 2001Full Service Brick and Mortar
    1362609Madison Branch1780 Madison Street, Clarksville, TN 37043September 20, 2001Full Service Brick and Mortar
    2418818Hilltop Branch400 Highway 149, Clarksville, TN 37040April 14, 2003Full Service Brick and Mortar
    4455050Dover Road Branch260 Dover Road, Clarksville, TN 37042September 13, 2006Full Service Brick and Mortar
    5510967Wilma Rudolph Branch2034 Wilma Rudolph Blvd, Clarksville, TN 37040June 30, 2010Full Service Brick and Mortar

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