Community Banking Company of Fitzgerald in Fitzgerald, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Banking Company of Fitzgerald in Fitzgerald, Georgia (GA)
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Community Banking Company of Fitzgerald - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 29Total employees (full-time equivalent)
  • $110,633Total assets
  • $8,932Cash and due from depository institutions
  • $2,790Interest-bearing balances
  • $19,825Securities
  • $13,770Federal funds sold & reverse repurchase agreements
  • $60,420Net loans & leases
  • $1,062Loan loss allowance
  • $0Trading account assets
  • $1,828Bank premises and fixed assets
  • $177Other real estate owned
  • $1,668Goodwill and other intangibles
  • $110,633Life insurance assets
  • $4,013All other assets
  • $97,200Total liabilities and capital
  • $96,386Total liabilities
  • $85,941Total deposits
  • $96,386Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $814Subordinated debt
  • $13,433All other liabilities
  • $13,433Total equity capital
  • $13,433Total bank equity capital
  • $0Perpetual preferred stock
  • $3,320Common stock
  • $7,494Surplus
  • $2,619Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,189Income earned, not collected on loans
  • $0Earning assets
  • $496Long-term assets (5+ years)
  • $96,805Average Assets, year-to-date
  • $10,369Average Assets, quarterly
  • $105,048Volatile liabilities
  • $107,129Insider loans
  • $64,629FHLB advances
  • $104,465Loans and leases held for sale
  • $3,040Unused loan commitments
  • $3,040Tier 1 (core) risk-based capital
  • $11,539Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,972Restructured Loans and leases
  • $5,108Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,507Total interest income
  • $992Total interest expense
  • $3,515Net interest income
  • $650Provision for loan and lease losses
  • $939Total noninterest income
  • $0Fiduciary activities
  • $486Service charges on deposit accounts
  • $0Trading account gains & fees
  • $453Additional noninterest income
  • $3,072Total noninterest expense
  • $1,646Salaries and employee benefits
  • $290Premises and equipment expense
  • $1,136Additional noninterest expense
  • $732Pre-tax net operating income
  • $0Securities gains (losses)
  • $98Applicable income taxes
  • $634Income before extraordinary items
  • $0Extraordinary gains - net
  • $634Net income attributable to bank
  • $0Net charge-offs
  • $634Cash dividends
  • $695Sale, conversion, retirement of capital stock, net
  • $308Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.80%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 4.79%Return on equity (ROE)
  • 2.46%Retained earnings to average equity (YTD only)
  • 1.13%Net charge-offs to loans
  • 93.53%Credit loss provision to net charge-offs
  • 1.99%Efficiency ratio
  • 68,972Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.58%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 89.32%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 1.93%Net loans and leases to deposits
  • 62.69%Net loans and leases to core deposits
  • 65.54%Equity capital to assets
  • 12.14%Core capital (leverage) ratio
  • 11.05%Tier 1 risk-based capital ratio
  • 17.85%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $105,048Average earning assets
  • $13,245Average equity
  • $92,596Average loans

List of branches

  • 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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