Cumberland Bank and Trust

Cumberland Bank and Trust is headquartered in Clarksville and is the 118^st largest bank in the state of Tennessee. It is also the 3,800^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 45 employees at 5 locations. Cumberland Bank and Trust's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Cumberland Bank and Trust FDIC Certificate # 57091 BankRate Report View Year Established 2001 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $154.19 million Loans $119.25 million Deposits $133.72 million Equity Capital $13.54 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.89 million Real Estate Owned $774,000 Historic Data - March 2011 Assets $143.35 million Equity Capital $11.90 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $1.28 million Real Estate Owned $654,000 Profit Margin - Quarterly Net Interest Margin 4.67% Return on Assets 1.12% Return on Equity 12.8% Interest Income $1.92 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Cumberland Bank and Trust had $2.67 million in non-current loans and owned real-estate with $14.84 million in equity and loan loss allowances on hand to cover it. This gives Cumberland Bank and Trust a Texas Ratio of 17.97% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cumberland Bank and Trust held steady from 14.67% as of March 31, 2011 to 17.97% as of March 31, 2012, resulting in a negative change of 22.52%. This indicates that the balance sheet and financial strength for Cumberland Bank and Trust has held steady in recent periods. Deposit Growth In the past year, Cumberland Bank and Trust has increased its total deposits by $9.4 million, resulting in 7.56% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cumberland Bank and Trust has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cumberland Bank and Trust has $154.19 million in assets with $14.84 million in equity, resulting in a capitalization level of 9.62%, which is average.

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