Community Bank & Trust in Barnwell, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2001

Community Bank & Trust in Barnwell, South Carolina (SC)
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Community Bank & Trust - Overview

General
FDIC Certificate #: 34330
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: CapitalBank (#27426)
Federal Reserve ID: 2518705
Date Established: Febuary 28, 1997
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 6 (Interstate: No)
OTS Docket #: 14386
FDIC's unique #: 57089
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: Febuary 28, 1997
Last Structure Change Effective Date: January 01, 2001
Last Structure Change Process Date: May 08, 2001
Last Data Update: May 08, 2001
Data Source Date: April 05, 2012
Location
Address: 1810 Main Street, Barnwell, SC 29812
County: Barnwell
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Columbia Sc
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $89.5 mil

1992 - 1999 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, 2000)

Dollar figures in thousands
33Total employees (full-time equivalent)
$89,474Total assets
$1,802Cash and due from depository institutions
$25Interest-bearing balances
$27,322Securities
$0Federal funds sold & reverse repurchase agreements
$53,336Net loans & leases
$722Loan loss allowance
$0Trading account assets
$3,694Bank premises and fixed assets
$58Other real estate owned
$2,003Goodwill and other intangibles
$0Life insurance assets
$1,259All other assets
$89,474Total liabilities and capital
$81,060Total liabilities
$70,248Total deposits
$65,680Interest-bearing deposits
$70,248Deposits held in domestic offices
0.00%% insured (estimated)
$5,250Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,000Other borrowed funds
$0Subordinated debt
$562All other liabilities
$8,414Total equity capital
$8,414Total bank equity capital
$8,414Perpetual preferred stock
$0Common stock
$3,600Surplus
$4,978Undivided profits
Memoranda
$-164Noncurrent loans and leases
$5,425Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$193Earning assets
$0Long-term assets (5+ years)
$523Average Assets, year-to-date
$80,683Average Assets, quarterly
$21,731Volatile liabilities
$82,126Insider loans
$89,932FHLB advances
$15,048Loans and leases held for sale
$4,422Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,425Total unused commitments
$0Restructured Loans and leases
$722Derivatives

Income and Expense (December 31, 2000)

Dollar figures in thousands
$5,794Total interest income
$3,060Total interest expense
$2,734Net interest income
$0Provision for loan and lease losses
$568Total noninterest income
$0Fiduciary activities
$496Service charges on deposit accounts
$0Trading account gains & fees
$72Additional noninterest income
$3,267Total noninterest expense
$1,122Salaries and employee benefits
$491Premises and equipment expense
$1,654Additional noninterest expense
$35Pre-tax net operating income
$0Securities gains (losses)
-$128Applicable income taxes
$163Income before extraordinary items
$0Extraordinary gains - net
$163Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$43Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2000)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.01%Yield on earning assets
4.23%Cost of funding earning assets
3.78%Net interest margin
0.78%Noninterest income to earning assets
4.51%Noninterest expense to earning assets
0.20%Net operating income to assets
0.20%Return on assets (ROA)
0.04%Pretax return on assets
2.12%Return on equity (ROE)
2.12%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
91,520Assets per employee
2.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
374.09%Noncurrent assets plus other real estate owned to assets
0.28%Noncurrent loans to loans
0.36%Net loans and leases to deposits
75.93%Net loans and leases to core deposits
88.23%Equity capital to assets
9.40%Core capital (leverage) ratio
7.40%Tier 1 risk-based capital ratio
10.62%Total risk-based capital ratio
Memoranda
$12Average assets
$82,126Average earning assets
$7,696Average equity
$72,378Average loans

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