CCB COMMUNITY BANK in Andalusia, Alabama (AL), FL

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Table of contents:
GeneralFDIC Certificate #: 16595
Status: Active
Federal Reserve ID: 655839
Bank Holding Company (Regulatory Top Holder): Southern National Corporation (RSSDID: 1020395, Location: Andalusia, AL)
Date Established: July 01, 1947
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Domestic: 3, Interstate: Yes)
OTS Docket #: 11147
FDIC's unique #: 10739
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: July 01, 1947
Last Structure Change Effective Date: July 02, 2007
Last Structure Change Process Date: September 25, 2007
Last Data Update: September 25, 2007
Data Source Date: April 05, 2012
LocationAddress: 225 East Three Notch Street, Andalusia, AL 36420
County: Covington
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Pensacola
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of ChangesName Change
Financial SummaryTotal assets: $392.4 mil
Equity capital: $40.9 mil
Deposits held in domestic offices: $319.6 mil
Return on assets (ROA): 1.10% ($4.3 mil)
Quarterly return on assets: 0.58% ($2.3 mil)
Return on Equity (ROE): 11.92% ($4.9 mil)
Quarterly return on equity: 5.60% ($2.3 mil)
Net income: $4.3 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.12% ($4,394.6 mil)
Quarterly Pretax return on assets: 0.44% ($1,726.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)
Total employees (full-time equivalent)96
Total assets$392,379
Cash and due from depository institutions$33,045
Interest-bearing balances$25,179
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$308,546
Loan loss allowance $3,975
Trading account assets$0
Bank premises and fixed assets$7,588
Other real estate owned$5,427
Goodwill and other intangibles$0
All other assets$6,722
Life insurance assets$392,379
Total liabilities and capital$351,468
Total liabilities$319,612
Total deposits$294,182
Interest-bearing deposits$319,612
Deposits held in domestic offices$86
% insured (estimated)1400.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$29,000
Other borrowed funds $0
Subordinated debt $1,456
All other liabilities $40,911
Total equity capital$40,911
Total bank equity capital$40,911
Perpetual preferred stock$0
Common stock$49
Undivided profits $21,131
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,035
Earning assets $0
Long-term assets (5+ years) $2,401
Average Assets, year-to-date $364,776
Average Assets, quarterly $53,982
Volatile liabilities $395,014
Insider loans $391,650
FHLB advances $312,231
Loans and leases held for sale $392,971
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $40,226
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $39,169
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $21,218
Total interest expense $3,844
Net interest income $17,374
Provision for loan and lease losses $5,076
Total noninterest income $1,534
Fiduciary activities $0
Service charges on deposit accounts $946
Trading account gains & fees $0
Additional noninterest income $588
Total noninterest expense $9,520
Salaries and employee benefits $5,037
Premises and equipment expense $1,491
Additional noninterest expense $2,992
Pre-tax net operating income $4,312
Securities gains (losses) $117
Applicable income taxes $103
Income before extraordinary items $4,326
Extraordinary gains - net $0
Net income attributable to bank $4,326
Net charge-offs $0
Cash dividends $4,326
Sale, conversion, retirement of capital stock, net $5,438
Net operating income $2,571
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.79%
Cost of funding earning assets 1.05%
Net interest margin 4.74%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 2.60%
Net operating income to assets 1.07%
Return on assets (ROA) 1.10%
Pretax return on assets 1.12%
Return on equity (ROE) 11.92%
Retained earnings to average equity (YTD only) 4.84%
Net charge-offs to loans 1.71%
Credit loss provision to net charge-offs 93.34%
Efficiency ratio1.73%
Assets per employee$50,349
Cash dividends to net income (YTD only)4.09%
Condition Ratios (%)
Loss allowance to loans 59.43%
Loss allowance to noncurrent loans 1.27%
Noncurrent assets plus other real estate owned to assets 384.06%
Noncurrent loans to loans 1.65%
Net loans and leases to deposits0.33%
Net loans and leases to core deposits 96.54%
Equity capital to assets 108.05%
Core capital (leverage) ratio 10.43%
Tier 1 risk-based capital ratio 10.24%
Total risk-based capital ratio 12.88%
Average assets$14
Average earning assets$395,014
Average equity $36,278
Average loans $366,170
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2 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010739Ccb Community Bank225 East Three Notch Street, Andalusia, AL 36420July 01, 1947Full Service Brick and Mortar
1466805Ccb - Opp Branch609 Florala Highway, Opp, AL 36467December 01, 2002Full Service Brick and Mortar
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1 Florida Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
2467450North Ferdon Boulevard Branch1290 North Ferdon Boulevard, Crestview, FL 32536July 28, 2007Full Service Brick and Mortar
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