Vitals
  • Total Assets
    43.4M 4.5 %
  • Total Deposits
    37.0M 2.2 %
  • Total Net Loans
    33.2M 4.4 %
  • Net Income
    95000.0000 4.4 %
  • Book Value
    5.4M 5.9 %
  • Book Value x2
    10.9M 5.9 %
  • Book Value x3
    16.3M 5.9 %
ROAA

.857

ROAE

6.992

Efficiency Ratio

70.037

Net Interest Margin

4.146

Balance Sheet Highlights
Financial Highlights Academy Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 43,419 183,777
Total Net Loans 33,167 123,165
Total Deposits 37,030 152,866
Total Equity 5,446 18,609
Profitability
Net Income 95 2,365
Return on Average Assets .857 1.151
Return on Average Equity 6.992 11.623
Net Interest Margin 4.146 4.221
Efficiency Ratio 70.037 67.669
Noninterest Income/Revenue 14.947 13.632
Balance Sheet Ratios
Loan-to-Deposit 89.568 77.315
Securities/Assets .159 .45
Total Equity/Total Assets .125 .101
Tangible Equity/Tangible Assets .125 -1.947
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 5,539 17,716
Tier 2 Capital 440 1,496
Total Capital 5,979 19,245
Total Risk Weighted Assets 35,188 131,609
Leverage Ratio 12.49 10.317
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.74 15.29
Total Capital Ratio 16.99 16.474

Timeline for Academy Bank

Bank Of The South

Academy Bank was acquired by Bank Of The South 18 years

View Profile Jun 01 2005

Academy Bank

Academy Bank was established 23 years ago and is currently headquartered in Lebanon, TN.

Nov 01 2000

Cumberland Bancshares, Inc.

Cumberland Bancshares, Inc. became a new parent organization for Academy Bank.

View Profile Nov 01 2000
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of The South Buyer 566,735 Acquisition Discontinued 6/1/2005
Relationships Role Relationship Start Relationship End
Cumberland Bancshares, Inc. Parent 11/1/2000 5/31/2005
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