CCB COMMUNITY BANK in Andalusia, Alabama (AL), FL
Overview, Financial Summary, Detailed Financial Reports, Branches


CCB COMMUNITY BANK - Overview

  • General
  • FDIC 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
    WWW: http://www.bankccb.com
    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
  • Location
  • Address: 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 Changes
  • Name Change
  • Financial Summary
  • Total 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
  • 96Total employees (full-time equivalent)
  • $392,379Total assets
  • $33,045Cash and due from depository institutions
  • $25,179Interest-bearing balances
  • $31,051Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $308,546Net loans & leases
  • $3,975Loan loss allowance
  • $0Trading account assets
  • $7,588Bank premises and fixed assets
  • $5,427Other real estate owned
  • $0Goodwill and other intangibles
  • $392,379Life insurance assets
  • $6,722All other assets
  • $351,468Total liabilities and capital
  • $319,612Total liabilities
  • $294,182Total deposits
  • $319,612Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 1400.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,000Trading liabilities
  • $0Other borrowed funds
  • $1,456Subordinated debt
  • $40,911All other liabilities
  • $40,911Total equity capital
  • $40,911Total bank equity capital
  • $0Perpetual preferred stock
  • $49Common stock
  • $19,731Surplus
  • $21,131Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,035Income earned, not collected on loans
  • $0Earning assets
  • $2,401Long-term assets (5+ years)
  • $364,776Average Assets, year-to-date
  • $53,982Average Assets, quarterly
  • $395,014Volatile liabilities
  • $391,650Insider loans
  • $312,231FHLB advances
  • $392,971Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $40,226Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $39,169Restructured Loans and leases
  • $6,834Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,218Total interest income
  • $3,844Total interest expense
  • $17,374Net interest income
  • $5,076Provision for loan and lease losses
  • $1,534Total noninterest income
  • $0Fiduciary activities
  • $946Service charges on deposit accounts
  • $0Trading account gains & fees
  • $588Additional noninterest income
  • $9,520Total noninterest expense
  • $5,037Salaries and employee benefits
  • $1,491Premises and equipment expense
  • $2,992Additional noninterest expense
  • $4,312Pre-tax net operating income
  • $117Securities gains (losses)
  • $103Applicable income taxes
  • $4,326Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,326Net income attributable to bank
  • $0Net charge-offs
  • $4,326Cash dividends
  • $5,438Sale, conversion, retirement of capital stock, net
  • $2,571Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.74%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 11.92%Return on equity (ROE)
  • 4.84%Retained earnings to average equity (YTD only)
  • 1.71%Net charge-offs to loans
  • 93.34%Credit loss provision to net charge-offs
  • 1.73%Efficiency ratio
  • 50,349Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.43%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 384.06%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 96.54%Net loans and leases to core deposits
  • 108.05%Equity capital to assets
  • 10.43%Core capital (leverage) ratio
  • 10.24%Tier 1 risk-based capital ratio
  • 12.88%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $395,014Average earning assets
  • $36,278Average equity
  • $366,170Average loans

List of branches

  • 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
  • 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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