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Overview / Commentary
931-503-8282
502 Madison St
Clarksville, TN 37040

Cumberland Bank and Trust is headquartered in Clarksville and is the 110st largest bank in the state of Tennessee. It is also the 3,573rd largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 43 employees at 5 locations. Cumberland Bank and Trust has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cumberland Bank and Trust had $406,000 in non-current loans and owned real-estate with $17.99 million in equity and loan loss allowances on hand to cover it. This gives Cumberland Bank and Trust a Texas Ratio of 2.26% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Cumberland Bank and Trust decreased dramatically from 15.71% as of March 31, 2013 to 2.26% as of March 31, 2014, resulting in a positive change of 85.63%.This indicates that the balance sheet and financial strength for Cumberland Bank and Trust has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Cumberland Bank and Trust has decreased its total deposits by -$1.11 million, resulting in -0.78% 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 average.

Capitalization

GRADE:
A

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 $159.68 million in assets with $17.99 million in equity, resulting in a capitalization level of 11.26%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57091
Year Established2001
Employees43
Primary RegulatorFDIC
Assets and Liabilities
Assets$159.68 million
Loans$127.52 million
Deposits$141.40 million
Equity Capital$16.27 million
Loan Loss Allowance$1.72 million
Unbacked Noncurrent Loans$326,000
Real Estate Owned$80,000
Historic Data - March 2013
Assets$160.05 million
Equity Capital$15.16 million
Loan Loss Allowance$1.63 million
Unbacked Noncurrent Loans$326,000
Real Estate Owned$562,000
Profit Margin - Quarterly
Net Interest Margin4.7%
Return on Assets1.15%
Return on Equity11.36%
Interest Income$1.97 million
Rates

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Locations


Cumberland Bank and Trust Locations
Madison Branch1780 Madison StreetClarksville, TN 37043
Wilma Rudolph Branch2034 Wilma Rudolph BlvdClarksville, TN 37040
Dover Road Branch260 Dover RoadClarksville, TN 37042
Hilltop Branch400 Highway 149Clarksville, TN 37040
Cumberland Bank and Trust502 Madison StClarksville, TN 37040