Cumberland County Bank in Crossville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cumberland County Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 40Total employees (full-time equivalent)
  • $273,789Total assets
  • $61,533Cash and due from depository institutions
  • $57,755Interest-bearing balances
  • $77,371Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $120,138Net loans & leases
  • $1,879Loan loss allowance
  • $0Trading account assets
  • $9,352Bank premises and fixed assets
  • $1,317Other real estate owned
  • $0Goodwill and other intangibles
  • $273,789Life insurance assets
  • $4,078All other assets
  • $253,505Total liabilities and capital
  • $251,140Total liabilities
  • $222,161Total deposits
  • $251,140Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 256.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,109Subordinated debt
  • $20,284All other liabilities
  • $20,284Total equity capital
  • $20,284Total bank equity capital
  • $0Perpetual preferred stock
  • $1,252Common stock
  • $4,252Surplus
  • $14,780Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $682Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $741Income earned, not collected on loans
  • $0Earning assets
  • $657Long-term assets (5+ years)
  • $255,264Average Assets, year-to-date
  • $30,486Average Assets, quarterly
  • $273,699Volatile liabilities
  • $279,759Insider loans
  • $106,826FHLB advances
  • $285,863Loans and leases held for sale
  • $2,076Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,300Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,076Total unused commitments
  • $13,051Restructured Loans and leases
  • $1,478Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,556Total interest income
  • $2,067Total interest expense
  • $6,489Net interest income
  • $315Provision for loan and lease losses
  • $1,866Total noninterest income
  • $0Fiduciary activities
  • $775Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,091Additional noninterest income
  • $5,748Total noninterest expense
  • $2,702Salaries and employee benefits
  • $802Premises and equipment expense
  • $2,244Additional noninterest expense
  • $2,292Pre-tax net operating income
  • $0Securities gains (losses)
  • $157Applicable income taxes
  • $2,135Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,135Net income attributable to bank
  • $0Net charge-offs
  • $2,135Cash dividends
  • $676Sale, conversion, retirement of capital stock, net
  • $1,308Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.34%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 2.54%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 2.25%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 11.08%Return on equity (ROE)
  • 4.29%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 46.60%Credit loss provision to net charge-offs
  • 3.86%Efficiency ratio
  • 68,797Assets per employee
  • 6.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.26%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 253.58%Noncurrent assets plus other real estate owned to assets
  • 0.75%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 47.84%Net loans and leases to core deposits
  • 49.35%Equity capital to assets
  • 7.41%Core capital (leverage) ratio
  • 7.10%Tier 1 risk-based capital ratio
  • 19.00%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $273,699Average earning assets
  • $19,276Average equity
  • $255,852Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $266Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 61Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $266Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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