FDIC Certificate #: 57825 Status: Active Federal Reserve ID: 3290240 Bank Holding Company (Regulatory Top Holder): Nbt Holdings Inc. (RSSDID: 3925065, Location: Nashville, TN) Date Established: August 30, 2004 WWW:http://www.nashvillebankandtrust.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 426769 Numeric code: 13 Regulator: FED 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: August 30, 2004 Last Structure Change Effective Date: July 01, 2009 Last Structure Change Process Date: September 25, 2009 Last Data Update: September 25, 2009 Data Source Date: April 05, 2012
Location
Address: 4525 Harding Road, Suite 300, Nashville, TN 37205 County: Davidson 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 Metropolitan Statistical Area (MSA): Nashville, TN (#5360) Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400) Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980) CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
History of Changes
Change in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial Summary
Total assets: $241.4 mil Equity capital: $25.3 mil Deposits held in domestic offices: $197.6 mil Return on assets (ROA): 0.90% ($2.2 mil) Quarterly return on assets: 1.04% ($2.5 mil) Return on Equity (ROE): 8.50% ($2.1 mil) Quarterly return on equity: 9.92% ($2.5 mil) Net income: $2.0 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.42% ($3,427.3 mil) Quarterly Pretax return on assets: 1.63% ($3,934.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
38Total employees (full-time equivalent)
$241,359Total assets
$27,441Cash and due from depository institutions
$21,753Interest-bearing balances
$39,858Securities
$3,361Federal funds sold & reverse repurchase agreements
$167,118Net loans & leases
$2,546Loan loss allowance
$0Trading account assets
$188Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$241,359Life insurance assets
$3,393All other assets
$216,069Total liabilities and capital
$197,639Total liabilities
$155,591Total deposits
$197,639Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$17,343Trading liabilities
$0Other borrowed funds
$1,087Subordinated debt
$25,290All other liabilities
$25,290Total equity capital
$25,290Total bank equity capital
$0Perpetual preferred stock
$2,117Common stock
$19,412Surplus
$3,761Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$120Income earned, not collected on loans
$0Earning assets
$719Long-term assets (5+ years)
$232,090Average Assets, year-to-date
$44,966Average Assets, quarterly
$224,359Volatile liabilities
$237,183Insider loans
$170,038FHLB advances
$248,155Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$24,872Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$46,896Restructured Loans and leases
$3,221Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9,646Total interest income
$1,633Total interest expense
$8,013Net interest income
$355Provision for loan and lease losses
$3,862Total noninterest income
$3,395Fiduciary activities
$213Service charges on deposit accounts
$0Trading account gains & fees
$254Additional noninterest income
$8,326Total noninterest expense
$6,036Salaries and employee benefits
$515Premises and equipment expense
$1,775Additional noninterest expense
$3,194Pre-tax net operating income
$0Securities gains (losses)
$1,166Applicable income taxes
$2,028Income before extraordinary items
$0Extraordinary gains - net
$2,028Net income attributable to bank
$0Net charge-offs
$2,028Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.53%Yield on earning assets
0.77%Cost of funding earning assets
3.76%Net interest margin
1.81%Noninterest income to earning assets
3.91%Noninterest expense to earning assets
0.90%Net operating income to assets
0.90%Return on assets (ROA)
1.42%Pretax return on assets
8.50%Return on equity (ROE)
8.50%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
70,114Assets per employee
6.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
2121.67%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.07%Net loans and leases to deposits
84.56%Net loans and leases to core deposits
89.70%Equity capital to assets
10.48%Core capital (leverage) ratio
10.02%Tier 1 risk-based capital ratio
14.63%Total risk-based capital ratio
Memoranda
$16Average assets
$224,359Average earning assets
$23,863Average equity
$212,962Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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