Vitals
  • Total Assets
    51.3M
  • Total Deposits
    46.1M
  • Total Net Loans
    40.6M
  • Net Income
  • Book Value
    4.8M
  • Book Value x2
    9.6M
  • Book Value x3
    14.3M
ROAA

ROAE

Efficiency Ratio

149.364

Net Interest Margin

2.907

Balance Sheet Highlights
Financial Highlights Cumberland National Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 51,280 145,178
Total Net Loans 40,581 105,609
Total Deposits 46,099 119,257
Total Equity 4,775 14,115
Profitability
Net Income — 3,928
Return on Average Assets — 1.296
Return on Average Equity — 12.92
Net Interest Margin 2.907 4.278
Efficiency Ratio 149.364 64.537
Noninterest Income/Revenue 3.535 14.971
Balance Sheet Ratios
Loan-to-Deposit 88.03 81.867
Securities/Assets .12 .247
Total Equity/Total Assets .093 .097
Tangible Equity/Tangible Assets .093 -.261
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 4,432 13,213
Tier 2 Capital 522 1,335
Total Capital 4,954 14,500
Total Risk Weighted Assets 41,138 107,702
Leverage Ratio 8.39 9.807
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.77 13.683
Total Capital Ratio 12.04 14.866

Timeline for Cumberland National Bank

The Heritage Bank

Cumberland National Bank was acquired by The Heritage Bank 20 years

View Profile Sep 26 2003

Liberty Shares, Inc.

Liberty Shares, Inc. became a new parent organization for Cumberland National Bank.

View Profile Sep 19 2003

Cumberland National Bank

Cumberland National Bank was established 24 years ago and is currently headquartered in Saint Marys, GA.

Oct 01 1999

Community National Bancorporation

Community National Bancorporation became a new parent organization for Cumberland National Bank.

View Profile Oct 01 1999
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Heritage Bank Buyer 526,116 Acquisition Discontinued 9/26/2003
Relationships Role Relationship Start Relationship End
Liberty Shares, Inc. Parent 9/19/2003 9/25/2003
Community National Bancorporation Parent 10/1/1999 9/18/2003
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