Citizens Community Bank in Hahira, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Community Bank - Overview

  • General
  • FDIC Certificate #: 12079
    Status: Active
    Federal Reserve ID: 564838
    Bank Holding Company (Regulatory Top Holder): Ccb Bancshares, Inc. (RSSDID: 1084696, Location: Hahira, GA)
    Date Established: Febuary 21, 1927
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11672
    FDIC's unique #: 7676
    Numeric code: 21
    Regulator: FDIC
    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: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 West Main Street, Hahira, GA 31632
    County: Lowndes
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Valdosta, GA (#46660)
    CBSA Metro Statistical Area: Valdosta, GA (#46660)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $118.0 mil
    Equity capital: $11.6 mil
    Deposits held in domestic offices: $106.2 mil
    Return on assets (ROA): 0.83% ($1.0 mil)
    Quarterly return on assets: 0.80% ($0.9 mil)
    Return on Equity (ROE): 8.81% ($1.1 mil)
    Quarterly return on equity: 8.16% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.83% ($979.2 mil)
    Quarterly Pretax return on assets: 0.80% ($943.8 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
  • 46Total employees (full-time equivalent)
  • $117,978Total assets
  • $5,887Cash and due from depository institutions
  • $2,702Interest-bearing balances
  • $27,612Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $79,118Net loans & leases
  • $948Loan loss allowance
  • $0Trading account assets
  • $1,316Bank premises and fixed assets
  • $2,420Other real estate owned
  • $45Goodwill and other intangibles
  • $117,978Life insurance assets
  • $1,580All other assets
  • $106,392Total liabilities and capital
  • $106,219Total liabilities
  • $89,909Total deposits
  • $106,219Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $173Subordinated debt
  • $11,586All other liabilities
  • $11,586Total equity capital
  • $11,586Total bank equity capital
  • $0Perpetual preferred stock
  • $62Common stock
  • $6,809Surplus
  • $4,715Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $851Income earned, not collected on loans
  • $0Earning assets
  • $629Long-term assets (5+ years)
  • $109,432Average Assets, year-to-date
  • $14,110Average Assets, quarterly
  • $118,669Volatile liabilities
  • $119,220Insider loans
  • $74,389FHLB advances
  • $119,768Loans and leases held for sale
  • $348Unused loan commitments
  • $348Tier 1 (core) risk-based capital
  • $11,304Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,656Restructured Loans and leases
  • $1,147Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,039Total interest income
  • $1,446Total interest expense
  • $4,593Net interest income
  • $400Provision for loan and lease losses
  • $1,289Total noninterest income
  • $0Fiduciary activities
  • $603Service charges on deposit accounts
  • $0Trading account gains & fees
  • $686Additional noninterest income
  • $4,494Total noninterest expense
  • $2,667Salaries and employee benefits
  • $462Premises and equipment expense
  • $1,365Additional noninterest expense
  • $988Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $988Income before extraordinary items
  • $0Extraordinary gains - net
  • $988Net income attributable to bank
  • $0Net charge-offs
  • $988Cash dividends
  • $406Sale, conversion, retirement of capital stock, net
  • $375Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 4.28%Net interest margin
  • 1.20%Noninterest income to earning assets
  • 4.19%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 8.81%Return on equity (ROE)
  • 5.47%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 98.52%Credit loss provision to net charge-offs
  • 3.42%Efficiency ratio
  • 76,012Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.96%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 111.40%Noncurrent assets plus other real estate owned to assets
  • 2.77%Noncurrent loans to loans
  • 1.06%Net loans and leases to deposits
  • 74.49%Net loans and leases to core deposits
  • 77.45%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 9.44%Tier 1 risk-based capital ratio
  • 15.20%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $118,669Average earning assets
  • $11,209Average equity
  • $107,233Average loans

List of branches

  • 4 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07676Citizens Community Bank120 West Main Street, Hahira, GA 31632Febuary 21, 1927Full Service Brick and Mortar
    114464Morven Branch130 Main Street, Morven, GA 31638April 10, 1967Full Service Brick and Mortar
    2226314Valdosta Branch3261 North Valdosta Road, Valdosta, GA 31602December 01, 1990Full Service Brick and Mortar
    3226315Baytree Branch1210 Baytree Road, Valdosta, GA 31602November 01, 1999Full Service Brick and Mortar

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