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Cumberland Bank & Trust

Clarksville, TN · Cert 57091

FDIC · 5 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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 Bank & Trust

Clarksville, TN · Cert 57091

FDIC · 5 branches

Q4 2017

$173.6MAssets
$134.5MLoans
$150.6MDeposits
$21.2MEquity
Loan mix
85%RE $95.6M14%C&I $15.5M1%Consumer $1.3MQ4 2016Q4 2017
Deposit mix
83%Interest-bearing $124.3M17%Noninterest $26.3MQ4 2016Q4 2017

NIM

4.39%Q4 ’154.26%Q4 ’164.61%Q4 ’17-3%+10%

Non-interest income vs. expense

2.82%Q4 ’152.76%Q4 ’163.50%Q4 ’17-5%+34%

Market Position · Clarksville, TN-KY · 2017 SOD (annual) · 4.2% share · #10 of 15 inst. · $0.2B of $3.7B

Executive Summary

  • Earnings: ROA of 0.72%, down 28 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.09% of loans (+9 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 12.69%, up 141 bps from a year ago.
  • Funding: loans stand at 89.33% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.72%-28 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+36 bps YoY

Efficiency Ratio (YTD, annualized)

73.24%+1,032 bps YoY

Tier 1 Leverage Ratio

12.69%+141 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.99%0.85%0.97%1.05%0.72%-28 bps
Return on Equity8.92%7.48%8.37%8.84%6.00%-292 bps
Net Interest Margin3.71%3.78%3.85%4.01%4.07%+36 bps
Efficiency Ratio62.92%65.07%64.43%62.81%73.24%+1,032 bps
Non-Interest Burden2.09%2.27%2.28%2.27%2.79%+71 bps
Growth
Asset Growth (YoY)3.33%3.25%-1.61%-6.79%-3.27%-661 bps
Loan Growth (YoY)8.96%3.54%1.01%-2.16%0.00%-897 bps
Deposit Growth (YoY)3.04%2.72%-2.50%-8.37%-4.67%-770 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.48%0.60%0.23%0.09%+9 bps
Net Charge-Offs / Loans0.04%0.15%0.10%0.06%0.07%+3 bps
Allowance / Loans1.30%1.32%1.28%1.34%1.29%-1 bps
Allowance Coverage of NPLsn/a2.7x2.1x5.8x15.0xn/a
Capital
Tier 1 Leverage Ratio11.28%11.52%11.81%12.52%12.69%+141 bps
Total Risk-Based Capital14.22%14.33%14.35%15.07%14.87%+65 bps
Equity / Assets11.24%11.57%11.91%12.80%12.20%+96 bps
Liquidity & Funding
Loans / Deposits85.17%87.36%88.30%91.31%89.33%+417 bps
Liquid Assets / Assets6.31%5.87%2.71%3.35%1.58%-473 bps
CRE / Total Capitaln/an/an/an/an/an/an/a