Community Bank of Georgia in Baxley, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of Georgia - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Change in Location
  • Financial Summary
  • Total 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
  • 14Total employees (full-time equivalent)
  • $68,082Total assets
  • $8,766Cash and due from depository institutions
  • $4,965Interest-bearing balances
  • $10,014Securities
  • $7,615Federal funds sold & reverse repurchase agreements
  • $39,106Net loans & leases
  • $633Loan loss allowance
  • $0Trading account assets
  • $1,615Bank premises and fixed assets
  • $280Other real estate owned
  • $0Goodwill and other intangibles
  • $68,082Life insurance assets
  • $686All other assets
  • $60,877Total liabilities and capital
  • $60,584Total liabilities
  • $55,644Total deposits
  • $60,584Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $293Subordinated debt
  • $7,205All other liabilities
  • $7,205Total equity capital
  • $7,205Total bank equity capital
  • $0Perpetual preferred stock
  • $2,822Common stock
  • $2,822Surplus
  • $1,561Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,406Income earned, not collected on loans
  • $0Earning assets
  • $407Long-term assets (5+ years)
  • $61,700Average Assets, year-to-date
  • $12,301Average Assets, quarterly
  • $64,581Volatile liabilities
  • $66,027Insider loans
  • $43,836FHLB advances
  • $64,808Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,192Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,876Restructured Loans and leases
  • $2,145Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,932Total interest income
  • $676Total interest expense
  • $2,256Net interest income
  • $120Provision for loan and lease losses
  • $359Total noninterest income
  • $0Fiduciary activities
  • $293Service charges on deposit accounts
  • $0Trading account gains & fees
  • $66Additional noninterest income
  • $1,668Total noninterest expense
  • $825Salaries and employee benefits
  • $160Premises and equipment expense
  • $683Additional noninterest expense
  • $827Pre-tax net operating income
  • $0Securities gains (losses)
  • $280Applicable income taxes
  • $547Income before extraordinary items
  • $0Extraordinary gains - net
  • $547Net income attributable to bank
  • $0Net charge-offs
  • $547Cash dividends
  • $66Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 7.95%Return on equity (ROE)
  • 7.95%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 181.82%Credit loss provision to net charge-offs
  • 14.35%Efficiency ratio
  • 63,786Assets per employee
  • 4.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 18.58%Noncurrent assets plus other real estate owned to assets
  • 5.41%Noncurrent loans to loans
  • 8.57%Net loans and leases to deposits
  • 64.55%Net loans and leases to core deposits
  • 70.15%Equity capital to assets
  • 10.58%Core capital (leverage) ratio
  • 11.10%Tier 1 risk-based capital ratio
  • 16.41%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $64,581Average earning assets
  • $6,880Average equity
  • $58,340Average loans

List of branches

  • 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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