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



Show street view No street view available for this location

CCB COMMUNITY BANK routing number info

Table of contents:
CCB COMMUNITY BANK
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
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
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
Securities$31,051
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
Surplus$19,731
Undivided profits $21,131
Memoranda
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
Derivatives$6,834
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Memoranda
Average assets$14
Average earning assets$395,014
Average equity $36,278
Average loans $366,170
Back to page top, Back to table top

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
Back to page top

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
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with CCB COMMUNITY BANK.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.