American Bank & Trust of the Cumberlands in Livingston, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • American Bank & Trust of the Cumberlands in Livingston, Tennessee (TN)
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American Bank & Trust of the Cumberlands routing number info

American Bank & Trust of the Cumberlands - Overview

  • General
  • FDIC Certificate #: 31980
    Status: Active
    Federal Reserve ID: 718079
    Bank Holding Company (Regulatory Top Holder): American Bancshares Corp. (RSSDID: 2226475, Location: Livingston, TN)
    Date Established: January 01, 1978
    WWW: http://www.americanbt.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 7685
    FDIC's unique #: 44814
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 10, 1979
    Last Structure Change Effective Date: Febuary 14, 2011
    Last Structure Change Process Date: Febuary 14, 2011
    Last Data Update: Febuary 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 808 West Main Street, Livingston, TN 38570
    County: Overton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Cookeville, TN (#18260)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $139.6 mil
    Equity capital: $11.8 mil
    Deposits held in domestic offices: $126.6 mil
    Return on assets (ROA): 1.08% ($1.5 mil)
    Quarterly return on assets: 1.71% ($2.4 mil)
    Return on Equity (ROE): 12.85% ($1.5 mil)
    Quarterly return on equity: 20.38% ($2.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.94% ($1,312.0 mil)
    Quarterly Pretax return on assets: 1.21% ($1,688.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 36Total employees (full-time equivalent)
  • $139,573Total assets
  • $9,969Cash and due from depository institutions
  • $7,874Interest-bearing balances
  • $10,860Securities
  • $7,440Federal funds sold & reverse repurchase agreements
  • $104,097Net loans & leases
  • $1,582Loan loss allowance
  • $0Trading account assets
  • $3,664Bank premises and fixed assets
  • $30Other real estate owned
  • $356Goodwill and other intangibles
  • $139,573Life insurance assets
  • $3,157All other assets
  • $127,763Total liabilities and capital
  • $126,575Total liabilities
  • $115,808Total deposits
  • $126,575Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,188Subordinated debt
  • $11,810All other liabilities
  • $11,810Total equity capital
  • $11,810Total bank equity capital
  • $0Perpetual preferred stock
  • $343Common stock
  • $8,267Surplus
  • $3,200Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $375Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,006Income earned, not collected on loans
  • $0Earning assets
  • $562Long-term assets (5+ years)
  • $130,271Average Assets, year-to-date
  • $10,029Average Assets, quarterly
  • $129,825Volatile liabilities
  • $137,237Insider loans
  • $94,923FHLB advances
  • $137,650Loans and leases held for sale
  • $1,355Unused loan commitments
  • $1,355Tier 1 (core) risk-based capital
  • $11,436Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,038Restructured Loans and leases
  • $2,848Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,963Total interest income
  • $1,828Total interest expense
  • $5,135Net interest income
  • $290Provision for loan and lease losses
  • $829Total noninterest income
  • $0Fiduciary activities
  • $187Service charges on deposit accounts
  • $0Trading account gains & fees
  • $642Additional noninterest income
  • $4,492Total noninterest expense
  • $2,282Salaries and employee benefits
  • $618Premises and equipment expense
  • $1,592Additional noninterest expense
  • $1,182Pre-tax net operating income
  • $43Securities gains (losses)
  • -$172Applicable income taxes
  • $1,397Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,397Net income attributable to bank
  • $0Net charge-offs
  • $1,397Cash dividends
  • $109Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.74%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 4.23%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 12.85%Return on equity (ROE)
  • 12.85%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 266.06%Credit loss provision to net charge-offs
  • 13.50%Efficiency ratio
  • 75,319Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 157.26%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 82.24%Net loans and leases to core deposits
  • 89.53%Equity capital to assets
  • 8.46%Core capital (leverage) ratio
  • 8.31%Tier 1 risk-based capital ratio
  • 12.05%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $129,825Average earning assets
  • $10,873Average equity
  • $121,302Average loans

List of branches

  • 2 Tennessee Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    044814American Bank & Trust Of The Cumberl808 West Main Street, Livingston, TN 38570January 01, 1978Full Service Brick and Mortar
    3464872Neal Street Branch1450 Neal Street, Cookeville, TN 38501July 02, 2007Full Service Brick and Mortar

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