Civitas BankGroup Inc. (CVBG)

Civitas BankGroup, Inc. operates as the holding company for Cumberland Bank that provides retail and commercial banking services in the metropolitan Nashville market. The bank offers deposit products, including commercial and retail demand deposit accounts, NOW accounts, IRAs, regular savings accounts, and retail deposits, such as fixed rate and fixed maturity certificates of deposits, and money market accounts. Its loan portfolio comprises construction loans, commercial real estate loans, residential real estate loans, commercial business loans, and consumer loans. The bank also offers cash management services, safe deposit boxes, night depository services, traveler’s checks, merchant credit cards, and direct deposit of payroll services. In addition, it provides ATM and Internet banking services. As of December 31 2005, the bank operated 11 offices and 20 ATMs. The company, through a joint venture, owns 50% interest in The Murray Banc Holding Company, LLC; and in Insurors Bank of Tennessee. Civitas BankGroup was founded in 1976 and is headquartered in Franklin, Tennessee.