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Cumberland County Bank

Crossville, TN · Cert 18364

FDIC · 4 branches

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cumberland County Bank

Crossville, TN · Cert 18364

FDIC · 4 branches

Q1 2016

$294.5MAssets
$120.4MLoans
$267.4MDeposits
$22.5MEquity
Loan mix
89%RE $99.6M6%C&I $7.2M5%Consumer $5.1MQ1 2015Q1 2016
Deposit mix
85%Interest-bearing $226.8M15%Noninterest $40.5MQ1 2015Q1 2016

NIM

2.47%Q1 ’142.59%Q1 ’152.59%Q1 ’16+8%+1%

Non-interest income vs. expense

2.18%Q1 ’142.20%Q1 ’152.21%Q1 ’16+3%+3%

Executive Summary

  • Earnings: ROA of 0.66%, down 2 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.63%.
  • Capital: tier 1 leverage ratio of 7.86%, up 5 bps from a year ago.
  • Funding: loans stand at 45.03% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.66%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.33%+2 bps YoY

Efficiency Ratio (YTD, annualized)

73.52%+51 bps YoY

Tier 1 Leverage Ratio

7.86%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.68%0.70%0.69%0.76%0.66%-2 bps
Return on Equity8.86%9.08%9.06%9.92%8.61%-25 bps
Net Interest Margin2.31%2.29%2.27%2.27%2.33%+2 bps
Efficiency Ratio73.01%72.86%72.90%70.57%73.52%+51 bps
Non-Interest Burden1.50%1.46%1.45%1.39%1.54%+4 bps
Growth
Asset Growth (YoY)2.77%1.57%2.50%3.25%2.73%-5 bps
Loan Growth (YoY)6.37%8.39%10.29%8.31%0.57%-580 bps
Deposit Growth (YoY)2.55%1.29%2.51%3.12%2.77%+22 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.12%0.12%0.13%0.63%+40 bps
Allowance / Loans1.14%1.17%1.16%1.20%1.11%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.81%7.78%7.77%7.82%7.86%+5 bps
Total Risk-Based Capital22.48%20.56%21.06%21.46%21.66%-82 bps
Equity / Assets7.63%7.71%7.61%7.57%7.64%+1 bps
Liquidity & Funding
Loans / Deposits46.02%47.12%47.22%46.11%45.03%-99 bps
Liquid Assets / Assets16.79%19.57%20.12%17.29%18.08%+128 bps
CRE / Total Capitaln/an/an/an/an/an/an/a