Vitals
  • Total Assets
    289.3M 4.2 %
  • Total Deposits
    235.6M 4.5 %
  • Total Net Loans
    179.4M 6.2 %
  • Net Income
    3.0M -6.8 %
  • Book Value
    34.9M 2.5 %
  • Book Value x2
    69.9M 2.5 %
  • Book Value x3
    104.8M 2.5 %
ROAA

1.401

ROAE

11.491

Efficiency Ratio

65.565

Net Interest Margin

4.264

Balance Sheet Highlights
Financial Highlights United Cumberland Bank All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 289,268 269,310
Total Net Loans 179,355 173,652
Total Deposits 235,591 221,056
Total Equity 34,947 31,294
Profitability
Net Income 2,982 1,976
Return on Average Assets 1.401 .966
Return on Average Equity 11.491 8.27
Net Interest Margin 4.264 3.839
Efficiency Ratio 65.565 70.852
Noninterest Income/Revenue 15.381 17.438
Balance Sheet Ratios
Loan-to-Deposit 76.13 76.981
Securities/Assets .268 .224
Total Equity/Total Assets .121 .116
Tangible Equity/Tangible Assets .121 .113
Capital Adequacy
Tier 1 Common Capital 34,796 29,217
Tier 1 Capital 34,796 29,217
Tier 2 Capital 2,209 2,080
Total Capital 37,005 31,305
Total Risk Weighted Assets 176,003 185,859
Leverage Ratio 12.06 11.372
Common Equity Tier 1 Capital Ratio 19.77 17.382
Tier 1 Capital Ratio 19.77 17.382
Total Capital Ratio 21.03 18.476

Timeline for United Cumberland Bank

First Trust And Savings Bank, Oneida, Tennessee

Acquisition: United Cumberland Bank acquired a new subsidiary, First Trust And Savings Bank, Oneida, Tennessee, 10 years

View Profile Apr 12 2014

Mccreary Bancshares Inc.

Mccreary Bancshares Inc. became a new parent organization for United Cumberland Bank.

View Profile Jun 17 1983

United Cumberland Bank

United Cumberland Bank was established 118 years ago and is currently headquartered in Whitley City, KY.

Jan 01 1906
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Trust And Savings Bank, Oneida, Tennessee Seller 146,371 Pooling of Interests Discontinued 4/12/2014
Relationships Role Relationship Start Relationship End
Mccreary Bancshares Inc. Parent 6/17/1983
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