Community Bank and Trust of Southeast Alabama in Dothan, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2010

  • Community Bank and Trust of Southeast Alabama in Dothan, Alabama (AL)
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Community Bank and Trust of Southeast Alabama - Overview

  • General
  • FDIC Certificate #: 19649
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Synovus Bank (#873)
    Federal Reserve ID: 313531
    Date Established: November 28, 1966
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    FDIC's unique #: 13448
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 28, 1966
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 14, 2010
    Last Data Update: June 14, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 3680 West Main Street, Dothan, AL 36305
    County: Houston
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Dothan, AL (#2180)
    Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222)
    Core Based Statistical Area (CBSA): Dothan, AL (#20020)
    CBSA Metro Statistical Area: Dothan, AL (#20020)
  • Financial Summary
  • Total assets: $529.8 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, 2009)

  • Dollar figures in thousands
  • 88Total employees (full-time equivalent)
  • $539,293Total assets
  • $8,205Cash and due from depository institutions
  • $107Interest-bearing balances
  • $57,583Securities
  • $64,981Federal funds sold & reverse repurchase agreements
  • $383,142Net loans & leases
  • $10,780Loan loss allowance
  • $0Trading account assets
  • $11,440Bank premises and fixed assets
  • $563Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $13,379All other assets
  • $539,293Total liabilities and capital
  • $500,035Total liabilities
  • $470,349Total deposits
  • $413,370Interest-bearing deposits
  • $470,349Deposits held in domestic offices
  • 76.27%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $28,000Other borrowed funds
  • $0Subordinated debt
  • $1,686All other liabilities
  • $39,258Total equity capital
  • $39,258Total bank equity capital
  • $39,258Perpetual preferred stock
  • $0Common stock
  • $460Surplus
  • $17,556Undivided profits
  • Memoranda
  • $21,242Noncurrent loans and leases
  • $59,783Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,983Earning assets
  • $490Long-term assets (5+ years)
  • $2,529Average Assets, year-to-date
  • $505,813Average Assets, quarterly
  • $89,303Volatile liabilities
  • $535,287Insider loans
  • $546,950FHLB advances
  • $138,200Loans and leases held for sale
  • $10,772Unused loan commitments
  • $28,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $59,783Total unused commitments
  • $6,052Restructured Loans and leases
  • $4,994Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $25,164Total interest income
  • $6,656Total interest expense
  • $18,508Net interest income
  • $12,322Provision for loan and lease losses
  • $3,705Total noninterest income
  • $0Fiduciary activities
  • $2,709Service charges on deposit accounts
  • $0Trading account gains & fees
  • $996Additional noninterest income
  • $12,078Total noninterest expense
  • $5,681Salaries and employee benefits
  • $1,292Premises and equipment expense
  • $5,105Additional noninterest expense
  • -$2,187Pre-tax net operating income
  • $557Securities gains (losses)
  • -$733Applicable income taxes
  • -$897Income before extraordinary items
  • $0Extraordinary gains - net
  • -$897Net income attributable to bank
  • $0Net charge-offs
  • -$897Cash dividends
  • $7,472Sale, conversion, retirement of capital stock, net
  • $1,884Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 2.39%Noninterest expense to earning assets
  • -0.23%Net operating income to assets
  • -0.17%Return on assets (ROA)
  • -0.30%Pretax return on assets
  • -2.20%Return on equity (ROE)
  • -6.82%Retained earnings to average equity (YTD only)
  • 1.75%Net charge-offs to loans
  • 164.91%Credit loss provision to net charge-offs
  • 1.36%Efficiency ratio
  • 54,374Assets per employee
  • 6.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -210.03%Loss allowance to loans
  • 2.74%Loss allowance to noncurrent loans
  • 270.65%Noncurrent assets plus other real estate owned to assets
  • 0.84%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 81.46%Net loans and leases to core deposits
  • 106.38%Equity capital to assets
  • 7.28%Core capital (leverage) ratio
  • 7.14%Tier 1 risk-based capital ratio
  • 9.83%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $535,287Average earning assets
  • $40,794Average equity
  • $506,283Average loans

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