Cumberland County Bank in Crossville, Tennessee (TN)

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Cumberland County Bank
GeneralFDIC Certificate #: 18364
Status: Active
Federal Reserve ID: 1008133
Bank Holding Company (Regulatory Top Holder): B.P.c. Corporation (RSSDID: 1081613, Location: Cookeville, TN)
Date Established: April 01, 1961
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 #: 12276
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 01, 1961
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
LocationAddress: 225 West Avenue, Crossville, TN 38555
County: Cumberland
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
Core Based Statistical Area (CBSA): Crossville, TN (#18900)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $273.8 mil
Equity capital: $20.3 mil
Deposits held in domestic offices: $251.1 mil
Return on assets (ROA): 0.78% ($2.1 mil)
Quarterly return on assets: 0.96% ($2.6 mil)
Return on Equity (ROE): 11.08% ($2.2 mil)
Quarterly return on equity: 13.22% ($2.6 mil)
Net income: $2.1 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.84% ($2,299.8 mil)
Quarterly Pretax return on assets: 1.03% ($2,820.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)40
Total assets$273,789
Cash and due from depository institutions$61,533
Interest-bearing balances$57,755
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$120,138
Loan loss allowance $1,879
Trading account assets$0
Bank premises and fixed assets$9,352
Other real estate owned$1,317
Goodwill and other intangibles$0
All other assets$4,078
Life insurance assets$273,789
Total liabilities and capital$253,505
Total liabilities$251,140
Total deposits$222,161
Interest-bearing deposits$251,140
Deposits held in domestic offices$91
% insured (estimated)256.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,109
All other liabilities $20,284
Total equity capital$20,284
Total bank equity capital$20,284
Perpetual preferred stock$0
Common stock$1,252
Undivided profits $14,780
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $682
Income earned, not collected on loans $741
Earning assets $0
Long-term assets (5+ years) $657
Average Assets, year-to-date $255,264
Average Assets, quarterly $30,486
Volatile liabilities $273,699
Insider loans $279,759
FHLB advances $106,826
Loans and leases held for sale $285,863
Unused loan commitments $2,076
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,300
Total risk weighted assets $0
Total unused commitments $2,076
Restructured Loans and leases $13,051
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,556
Total interest expense $2,067
Net interest income $6,489
Provision for loan and lease losses $315
Total noninterest income $1,866
Fiduciary activities $0
Service charges on deposit accounts $775
Trading account gains & fees $0
Additional noninterest income $1,091
Total noninterest expense $5,748
Salaries and employee benefits $2,702
Premises and equipment expense $802
Additional noninterest expense $2,244
Pre-tax net operating income $2,292
Securities gains (losses) $0
Applicable income taxes $157
Income before extraordinary items $2,135
Extraordinary gains - net $0
Net income attributable to bank $2,135
Net charge-offs $0
Cash dividends $2,135
Sale, conversion, retirement of capital stock, net $676
Net operating income $1,308
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.34%
Cost of funding earning assets 0.81%
Net interest margin 2.54%
Noninterest income to earning assets 0.73%
Noninterest expense to earning assets 2.25%
Net operating income to assets 0.78%
Return on assets (ROA) 0.78%
Pretax return on assets 0.84%
Return on equity (ROE) 11.08%
Retained earnings to average equity (YTD only) 4.29%
Net charge-offs to loans 0.53%
Credit loss provision to net charge-offs 46.60%
Efficiency ratio3.86%
Assets per employee$68,797
Cash dividends to net income (YTD only)6.84%
Condition Ratios (%)
Loss allowance to loans 61.26%
Loss allowance to noncurrent loans 1.54%
Noncurrent assets plus other real estate owned to assets 253.58%
Noncurrent loans to loans 0.75%
Net loans and leases to deposits0.61%
Net loans and leases to core deposits 47.84%
Equity capital to assets 49.35%
Core capital (leverage) ratio 7.41%
Tier 1 risk-based capital ratio 7.10%
Total risk-based capital ratio 19.00%
Average assets$20
Average earning assets$273,699
Average equity $19,276
Average loans $255,852
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$266
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts61
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$266
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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4 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
012276Cumberland County Bank225 West Avenue, Crossville, TN 38555April 01, 1961Full Service Brick and Mortar
1245131Cumberland Square Branch178 Elmore Rd., Crossville, TN 38555December 23, 1968Full Service Brick and Mortar
3245133The Glade BranchPeavine And Hebbertsburg Roads, Fairfield Glade, TN 38555October 04, 1982Full Service Brick and Mortar
4245134Lake Tansi Village Branch2271 Dunbar Road, Crossville, TN 38555May 23, 1995Full Service Brick and Mortar
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