Commercial Capital Bank in Delhi, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Commercial Capital Bank - Overview

  • General
  • FDIC Certificate #: 34784
    Status: Active
    Federal Reserve ID: 2756730
    Bank Holding Company (Regulatory Top Holder): Capital Bancorp, Inc. (RSSDID: 2757111, Location: Delhi, LA)
    Date Established: Febuary 22, 1999
    WWW: http://www.comcapbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 61558
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: Febuary 22, 1999
    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: 311 Broadway, Delhi, LA 71232
    County: Richland
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $49.5 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $44.4 mil
    Return on assets (ROA): 2.16% ($1.1 mil)
    Quarterly return on assets: 0.92% ($0.5 mil)
    Return on Equity (ROE): 19.35% ($1.0 mil)
    Quarterly return on equity: 8.65% ($0.4 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 2.16% ($1,069.8 mil)
    Quarterly Pretax return on assets: 0.92% ($455.6 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
  • 11Total employees (full-time equivalent)
  • $49,527Total assets
  • $15,252Cash and due from depository institutions
  • $14,105Interest-bearing balances
  • $6,983Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $25,213Net loans & leases
  • $381Loan loss allowance
  • $0Trading account assets
  • $648Bank premises and fixed assets
  • $38Other real estate owned
  • $0Goodwill and other intangibles
  • $49,528Life insurance assets
  • $893All other assets
  • $44,456Total liabilities and capital
  • $44,399Total liabilities
  • $36,662Total deposits
  • $44,399Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $57Subordinated debt
  • $5,072All other liabilities
  • $5,072Total equity capital
  • $5,072Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $3,441Surplus
  • $1,031Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $147Income earned, not collected on loans
  • $141Earning assets
  • $473Long-term assets (5+ years)
  • $46,801Average Assets, year-to-date
  • $7,820Average Assets, quarterly
  • $44,996Volatile liabilities
  • $49,665Insider loans
  • $27,008FHLB advances
  • $50,403Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,072Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,893Restructured Loans and leases
  • $253Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,390Total interest income
  • $305Total interest expense
  • $2,085Net interest income
  • $4Provision for loan and lease losses
  • $332Total noninterest income
  • $0Fiduciary activities
  • $290Service charges on deposit accounts
  • $0Trading account gains & fees
  • $42Additional noninterest income
  • $1,440Total noninterest expense
  • $746Salaries and employee benefits
  • $124Premises and equipment expense
  • $570Additional noninterest expense
  • $973Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $973Income before extraordinary items
  • $0Extraordinary gains - net
  • $973Net income attributable to bank
  • $0Net charge-offs
  • $973Cash dividends
  • $137Sale, conversion, retirement of capital stock, net
  • $514Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.65%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.93%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 2.16%Net operating income to assets
  • 2.16%Return on assets (ROA)
  • 2.16%Pretax return on assets
  • 19.35%Return on equity (ROE)
  • 9.13%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 2.92%Credit loss provision to net charge-offs
  • 7.13%Efficiency ratio
  • 59,578Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.83%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 259.18%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 56.79%Net loans and leases to core deposits
  • 60.51%Equity capital to assets
  • 10.24%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 18.78%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $44,996Average earning assets
  • $5,027Average equity
  • $42,320Average loans

List of branches

  • 1 Louisiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061558Commercial Capital Bank311 Broadway, Delhi, LA 71232Febuary 22, 1999Full Service Brick and Mortar

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