Community Banking Company of Fitzgerald in Fitzgerald, Georgia (GA)



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Community Banking Company of Fitzgerald routing number info

Table of contents:
Community Banking Company of Fitzgerald
GeneralFDIC Certificate #: 34160
Status: Active
Federal Reserve ID: 553038
Bank Holding Company (Regulatory Top Holder): Cbc Holding Company (RSSDID: 2530118, Location: Fitzgerald, GA)
Date Established: April 19, 1996
WWW: http://www.communitybankoffitzgerald.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 15999
FDIC's unique #: 56308
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 19, 1996
Last Structure Change Effective Date: Febuary 27, 2009
Last Structure Change Process Date: Febuary 27, 2009
Last Data Update: Febuary 27, 2009
Data Source Date: April 05, 2012
LocationAddress: 102 West Roanoke Drive, Fitzgerald, GA 31750
County: Ben Hill
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Albany Ga
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Fitzgerald, GA (#22340)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Location
Financial SummaryTotal assets: $110.6 mil
Equity capital: $13.4 mil
Deposits held in domestic offices: $96.4 mil
Return on assets (ROA): 0.60% ($0.7 mil)
Quarterly return on assets: 0.75% ($0.8 mil)
Return on Equity (ROE): 4.79% ($0.6 mil)
Quarterly return on equity: 6.05% ($0.8 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.70% ($774.4 mil)
Quarterly Pretax return on assets: 0.81% ($896.1 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)29
Total assets$110,633
Cash and due from depository institutions$8,932
Interest-bearing balances$2,790
Securities$19,825
Federal funds sold & reverse repurchase agreements$13,770
Net loans & leases$60,420
Loan loss allowance $1,062
Trading account assets$0
Bank premises and fixed assets$1,828
Other real estate owned$177
Goodwill and other intangibles$1,668
All other assets$4,013
Life insurance assets$110,633
Total liabilities and capital$97,200
Total liabilities$96,386
Total deposits$85,941
Interest-bearing deposits$96,386
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $814
All other liabilities $13,433
Total equity capital$13,433
Total bank equity capital$13,433
Perpetual preferred stock$0
Common stock$3,320
Surplus$7,494
Undivided profits $2,619
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 $1,189
Earning assets $0
Long-term assets (5+ years) $496
Average Assets, year-to-date $96,805
Average Assets, quarterly $10,369
Volatile liabilities $105,048
Insider loans $107,129
FHLB advances $64,629
Loans and leases held for sale $104,465
Unused loan commitments $3,040
Tier 1 (core) risk-based capital $3,040
Tier 2 risk-based capital $11,539
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,972
Derivatives$5,108
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,507
Total interest expense $992
Net interest income $3,515
Provision for loan and lease losses $650
Total noninterest income $939
Fiduciary activities $0
Service charges on deposit accounts $486
Trading account gains & fees $0
Additional noninterest income $453
Total noninterest expense $3,072
Salaries and employee benefits $1,646
Premises and equipment expense $290
Additional noninterest expense $1,136
Pre-tax net operating income $732
Securities gains (losses) $0
Applicable income taxes $98
Income before extraordinary items $634
Extraordinary gains - net $0
Net income attributable to bank $634
Net charge-offs $0
Cash dividends $634
Sale, conversion, retirement of capital stock, net $695
Net operating income $308
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.87%
Cost of funding earning assets 1.07%
Net interest margin 3.80%
Noninterest income to earning assets 1.01%
Noninterest expense to earning assets 3.32%
Net operating income to assets 0.60%
Return on assets (ROA) 0.60%
Pretax return on assets 0.70%
Return on equity (ROE) 4.79%
Retained earnings to average equity (YTD only) 2.46%
Net charge-offs to loans 1.13%
Credit loss provision to net charge-offs 93.53%
Efficiency ratio1.99%
Assets per employee$68,972
Cash dividends to net income (YTD only)3.81%
Condition Ratios (%)
Loss allowance to loans 48.58%
Loss allowance to noncurrent loans 1.73%
Noncurrent assets plus other real estate owned to assets 89.32%
Noncurrent loans to loans 1.23%
Net loans and leases to deposits1.93%
Net loans and leases to core deposits 62.69%
Equity capital to assets 65.54%
Core capital (leverage) ratio 12.14%
Tier 1 risk-based capital ratio 11.05%
Total risk-based capital ratio 17.85%
Memoranda
Average assets$19
Average earning assets$105,048
Average equity $13,245
Average loans $92,596
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2 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
056308Community Banking Company Of Fitzger102 West Roanoke Drive, Fitzgerald, GA 31750April 19, 1996Full Service Brick and Mortar
2294935South Main Street Branch220 South Main Street, Fitzgerald, GA 31750January 05, 1998Limited Service Facility
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