Commercial Banking Company in Valdosta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Commercial Banking Company in Valdosta, Georgia (GA)
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Commercial Banking Company - Overview

  • General
  • FDIC Certificate #: 16246
    Status: Active
    Federal Reserve ID: 381932
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13248
    FDIC's unique #: 10440
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 15, 1995
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3462 North Valdosta Road, Valdosta, GA 31603
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $199.0 mil
    Equity capital: $28.7 mil
    Deposits held in domestic offices: $152.9 mil
    Return on assets (ROA): 0.63% ($1.3 mil)
    Quarterly return on assets: 0.62% ($1.2 mil)
    Return on Equity (ROE): 5.35% ($1.6 mil)
    Quarterly return on equity: 4.32% ($1.3 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.88% ($1,751.5 mil)
    Quarterly Pretax return on assets: 0.86% ($1,711.7 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
  • 50Total employees (full-time equivalent)
  • $199,033Total assets
  • $14,298Cash and due from depository institutions
  • $8,734Interest-bearing balances
  • $26,502Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $140,367Net loans & leases
  • $2,284Loan loss allowance
  • $0Trading account assets
  • $6,195Bank premises and fixed assets
  • $2,643Other real estate owned
  • $0Goodwill and other intangibles
  • $199,033Life insurance assets
  • $9,028All other assets
  • $170,329Total liabilities and capital
  • $152,919Total liabilities
  • $128,397Total deposits
  • $152,919Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,800Trading liabilities
  • $0Other borrowed funds
  • $610Subordinated debt
  • $28,704All other liabilities
  • $28,704Total equity capital
  • $28,704Total bank equity capital
  • $0Perpetual preferred stock
  • $123Common stock
  • $17,733Surplus
  • $10,848Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,829Income earned, not collected on loans
  • $0Earning assets
  • $722Long-term assets (5+ years)
  • $175,603Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $206,266Volatile liabilities
  • $199,172Insider loans
  • $138,824FHLB advances
  • $198,766Loans and leases held for sale
  • $5,540Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,444Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,805Restructured Loans and leases
  • $1,832Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,377Total interest income
  • $3,220Total interest expense
  • $6,157Net interest income
  • $725Provision for loan and lease losses
  • $2,117Total noninterest income
  • $0Fiduciary activities
  • $16Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,101Additional noninterest income
  • $5,829Total noninterest expense
  • $3,712Salaries and employee benefits
  • $993Premises and equipment expense
  • $1,124Additional noninterest expense
  • $1,720Pre-tax net operating income
  • $87Securities gains (losses)
  • $517Applicable income taxes
  • $1,290Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,290Net income attributable to bank
  • $0Net charge-offs
  • $1,290Cash dividends
  • $401Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.73%Cost of funding earning assets
  • 3.31%Net interest margin
  • 1.14%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 5.35%Return on equity (ROE)
  • 5.35%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 180.80%Credit loss provision to net charge-offs
  • 6.10%Efficiency ratio
  • 70,450Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 124.88%Noncurrent assets plus other real estate owned to assets
  • 2.25%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 91.79%Net loans and leases to core deposits
  • 116.15%Equity capital to assets
  • 14.42%Core capital (leverage) ratio
  • 12.80%Tier 1 risk-based capital ratio
  • 18.33%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $206,266Average earning assets
  • $24,120Average equity
  • $186,025Average loans

List of branches

  • 4 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010440Commercial Banking Company3462 North Valdosta Road, Valdosta, GA 31603January 01, 1934Full Service Brick and Mortar
    3359061Valdosta Branch1215 Baytree Road, Valdosta, GA 31603Febuary 17, 2000Full Service Brick and Mortar
    4446835Hahira Branch110 West Main Street, Hahira, GA 31632November 01, 2005Full Service Brick and Mortar
    5446836Moultrie Branch419 B. South Main Street, Moultrie, GA 31768November 07, 2005Full Service Brick and Mortar

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