Community Bank of Georgia in Baxley, Georgia (GA)



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Community Bank of Georgia routing number info

Table of contents:
Community Bank of Georgia
GeneralFDIC Certificate #: 57579
Status: Active
Federal Reserve ID: 3213333
Bank Holding Company (Regulatory Top Holder): Community Bank Of Georgia, Inc. (RSSDID: 3213324, Location: Baxley, GA)
Date Established: May 11, 2004
WWW: http://www.communitybankga.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 #: 365884
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 11, 2004
Last Structure Change Effective Date: March 31, 2007
Last Structure Change Process Date: April 05, 2007
Last Data Update: April 05, 2007
Data Source Date: April 05, 2012
LocationAddress: 700 West Parker Street, Baxley, GA 31513
County: Appling
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Savannah
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Change in Location
Financial SummaryTotal assets: $68.1 mil
Equity capital: $7.2 mil
Deposits held in domestic offices: $60.6 mil
Return on assets (ROA): 0.85% ($0.6 mil)
Quarterly return on assets: 0.79% ($0.5 mil)
Return on Equity (ROE): 7.95% ($0.6 mil)
Quarterly return on equity: 7.28% ($0.5 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.28% ($871.4 mil)
Quarterly Pretax return on assets: 1.19% ($810.2 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)
Total employees (full-time equivalent)14
Total assets$68,082
Cash and due from depository institutions$8,766
Interest-bearing balances$4,965
Securities$10,014
Federal funds sold & reverse repurchase agreements$7,615
Net loans & leases$39,106
Loan loss allowance $633
Trading account assets$0
Bank premises and fixed assets$1,615
Other real estate owned$280
Goodwill and other intangibles$0
All other assets$686
Life insurance assets$68,082
Total liabilities and capital$60,877
Total liabilities$60,584
Total deposits$55,644
Interest-bearing deposits$60,584
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $293
All other liabilities $7,205
Total equity capital$7,205
Total bank equity capital$7,205
Perpetual preferred stock$0
Common stock$2,822
Surplus$2,822
Undivided profits $1,561
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,406
Earning assets $0
Long-term assets (5+ years) $407
Average Assets, year-to-date $61,700
Average Assets, quarterly $12,301
Volatile liabilities $64,581
Insider loans $66,027
FHLB advances $43,836
Loans and leases held for sale $64,808
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,192
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,876
Derivatives$2,145
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,932
Total interest expense $676
Net interest income $2,256
Provision for loan and lease losses $120
Total noninterest income $359
Fiduciary activities $0
Service charges on deposit accounts $293
Trading account gains & fees $0
Additional noninterest income $66
Total noninterest expense $1,668
Salaries and employee benefits $825
Premises and equipment expense $160
Additional noninterest expense $683
Pre-tax net operating income $827
Securities gains (losses) $0
Applicable income taxes $280
Income before extraordinary items $547
Extraordinary gains - net $0
Net income attributable to bank $547
Net charge-offs $0
Cash dividends $547
Sale, conversion, retirement of capital stock, net $66
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.03%
Cost of funding earning assets 1.16%
Net interest margin 3.87%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 2.86%
Net operating income to assets 0.85%
Return on assets (ROA) 0.85%
Pretax return on assets 1.28%
Return on equity (ROE) 7.95%
Retained earnings to average equity (YTD only) 7.95%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 181.82%
Efficiency ratio14.35%
Assets per employee$63,786
Cash dividends to net income (YTD only)4.86%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.59%
Noncurrent assets plus other real estate owned to assets 18.58%
Noncurrent loans to loans 5.41%
Net loans and leases to deposits8.57%
Net loans and leases to core deposits 64.55%
Equity capital to assets 70.15%
Core capital (leverage) ratio 10.58%
Tier 1 risk-based capital ratio 11.10%
Total risk-based capital ratio 16.41%
Memoranda
Average assets$18
Average earning assets$64,581
Average equity $6,880
Average loans $58,340
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1 Georgia Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0365884Community Bank Of Georgia700 West Parker Street, Baxley, GA 31513May 11, 2004Full Service Brick and Mortar
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