Community Bank & Trust - Jackson in Commerce, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 20, 2000

  • Community Bank & Trust - Jackson in Commerce, Georgia (GA)
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Community Bank & Trust - Jackson - Overview

  • General
  • FDIC Certificate #: 875
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Bank & Trust (#5702)
    Federal Reserve ID: 298030
    Date Established: January 01, 1892
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    OTS Docket #: 12620
    FDIC's unique #: 557
    Numeric code: 21
    Regulator: FDIC
    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: January 01, 1934
    Last Structure Change Effective Date: November 20, 2000
    Last Structure Change Process Date: Febuary 07, 2001
    Last Data Update: Febuary 07, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Commerce, GA 30529
    County: Jackson
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $139.7 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, 1999)

  • Dollar figures in thousands
  • 65Total employees (full-time equivalent)
  • $127,402Total assets
  • $6,224Cash and due from depository institutions
  • $0Interest-bearing balances
  • $20,683Securities
  • $4,070Federal funds sold & reverse repurchase agreements
  • $91,866Net loans & leases
  • $1,407Loan loss allowance
  • $0Trading account assets
  • $1,960Bank premises and fixed assets
  • $136Other real estate owned
  • $112Goodwill and other intangibles
  • $0Life insurance assets
  • $2,351All other assets
  • $127,402Total liabilities and capital
  • $118,929Total liabilities
  • $112,930Total deposits
  • $97,619Interest-bearing deposits
  • $112,930Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,000Other borrowed funds
  • $0Subordinated debt
  • $999All other liabilities
  • $8,473Total equity capital
  • $8,473Total bank equity capital
  • $8,473Perpetual preferred stock
  • $250Common stock
  • $250Surplus
  • $3,800Undivided profits
  • Memoranda
  • $4,173Noncurrent loans and leases
  • $6,667Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $923Earning assets
  • $565Long-term assets (5+ years)
  • $1,115Average Assets, year-to-date
  • $116,619Average Assets, quarterly
  • $24,169Volatile liabilities
  • $123,011Insider loans
  • $127,017FHLB advances
  • $33,946Loans and leases held for sale
  • $615Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,667Total unused commitments
  • $0Restructured Loans and leases
  • $1,181Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $10,293Total interest income
  • $5,282Total interest expense
  • $5,011Net interest income
  • $322Provision for loan and lease losses
  • $1,174Total noninterest income
  • $0Fiduciary activities
  • $698Service charges on deposit accounts
  • $0Trading account gains & fees
  • $476Additional noninterest income
  • $3,473Total noninterest expense
  • $1,785Salaries and employee benefits
  • $522Premises and equipment expense
  • $1,166Additional noninterest expense
  • $2,390Pre-tax net operating income
  • $0Securities gains (losses)
  • $774Applicable income taxes
  • $1,616Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,616Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $237Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.07%Yield on earning assets
  • 4.65%Cost of funding earning assets
  • 4.42%Net interest margin
  • 1.03%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 20.12%Return on equity (ROE)
  • 17.63%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 135.86%Credit loss provision to net charge-offs
  • 11.44%Efficiency ratio
  • 55,732Assets per employee
  • 1.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.38%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 152.44%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 81.35%Net loans and leases to core deposits
  • 116.31%Equity capital to assets
  • 6.65%Core capital (leverage) ratio
  • 6.82%Tier 1 risk-based capital ratio
  • 9.31%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $123,011Average earning assets
  • $8,031Average equity
  • $113,499Average loans

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