PackageTrendsPeer
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Community Bank & Trust Company of Cheatham County

Ashland City, TN · Cert 35258

FDIC · 5 branches

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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

Community Bank & Trust Company of Cheatham County

Ashland City, TN · Cert 35258

FDIC · 5 branches

Q4 2019

$252.9MAssets
$174.0MLoans
$210.1MDeposits
$26.3MEquity
Loan mix
87%RE $108.2M10%C&I $12.9M3%Consumer $3.7MQ4 2018Q4 2019
Deposit mix
71%Interest-bearing $150.1M29%Noninterest $60.0MQ4 2018Q4 2019

NIM

3.77%Q4 ’174.19%Q4 ’184.18%Q4 ’19+11%-8%

Non-interest income vs. expense

3.11%Q4 ’173.25%Q4 ’183.41%Q4 ’19+2%+13%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2019 SOD (annual) · 0.3% share · #32 of 65 inst. · $0.2B of $64.1B

34.5% Cheatham
2.9% Robertson

Executive Summary

  • Earnings: ROA of 0.77%, down 28 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.57% of loans (+2 bps YoY), with net recoveries of 0.16%.
  • Capital: tier 1 leverage ratio of 10.24%, down 90 bps from a year ago.
  • Funding: loans stand at 82.83% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

0.77%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-30 bps YoY

Efficiency Ratio (YTD, annualized)

85.88%+1,279 bps YoY

Tier 1 Leverage Ratio

10.24%-90 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.05%1.06%0.91%1.06%0.77%-28 bps
Return on Equity10.50%10.22%8.74%10.14%7.33%-316 bps
Net Interest Margin3.72%3.58%3.51%3.43%3.42%-30 bps
Efficiency Ratio73.09%77.19%76.58%79.37%85.88%+1,279 bps
Non-Interest Burden2.52%2.63%2.55%2.60%2.86%+34 bps
Growth
Asset Growth (YoY)2.33%4.84%8.80%12.29%7.78%+545 bps
Loan Growth (YoY)4.70%7.78%11.86%19.89%13.98%+928 bps
Deposit Growth (YoY)5.58%4.06%5.07%8.17%4.63%-95 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.71%0.59%0.62%0.57%+2 bps
Net Charge-Offs / Loans-0.05%-0.02%-0.01%-0.19%-0.16%-11 bps
Allowance / Loans1.35%1.29%1.22%0.92%0.91%-43 bps
Allowance Coverage of NPLs2.4x1.8x2.1x1.5x1.6x-0.8x
Capital
Tier 1 Leverage Ratio11.14%10.12%10.67%10.81%10.24%-90 bps
Total Risk-Based Capital17.99%16.34%16.57%16.96%15.92%-208 bps
Equity / Assets10.36%10.29%10.46%10.66%10.39%+3 bps
Liquidity & Funding
Loans / Deposits76.04%76.85%81.39%80.06%82.83%+679 bps
Liquid Assets / Assets1.89%1.66%1.73%1.80%1.47%-42 bps
CRE / Total Capitaln/an/an/an/an/an/an/a