Community Capital Bank in Jonesboro, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 21, 2011

Community Capital Bank - Overview

  • General
  • FDIC Certificate #: 57036
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: State Bank and Trust Company (#57870)
    Federal Reserve ID: 3130999
    Date Established: August 05, 2002
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 334386
    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: August 05, 2002
    Last Structure Change Effective Date: October 21, 2011
    Last Structure Change Process Date: October 24, 2011
    Last Data Update: October 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2236 Mount Zion Road, Jonesboro, GA 30236
    County: Clayton
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • Financial Summary
  • Total assets: $165.3 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, 2010)

  • Dollar figures in thousands
  • 90Total employees (full-time equivalent)
  • $192,063Total assets
  • $29,699Cash and due from depository institutions
  • $500Interest-bearing balances
  • $1,872Securities
  • $8Federal funds sold & reverse repurchase agreements
  • $144,396Net loans & leases
  • $2,598Loan loss allowance
  • $0Trading account assets
  • $2,872Bank premises and fixed assets
  • $10,978Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,238All other assets
  • $192,063Total liabilities and capital
  • $186,987Total liabilities
  • $172,652Total deposits
  • $159,549Interest-bearing deposits
  • $172,652Deposits held in domestic offices
  • 94.15%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $13,515Other borrowed funds
  • $0Subordinated debt
  • $820All other liabilities
  • $5,076Total equity capital
  • $5,076Total bank equity capital
  • $5,076Perpetual preferred stock
  • $0Common stock
  • $5,300Surplus
  • $14,783Undivided profits
  • Memoranda
  • $-15,007Noncurrent loans and leases
  • $3,791Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $17,719Earning assets
  • $0Long-term assets (5+ years)
  • $544Average Assets, year-to-date
  • $146,776Average Assets, quarterly
  • $22,902Volatile liabilities
  • $198,692Insider loans
  • $195,156FHLB advances
  • $69,691Loans and leases held for sale
  • $4,668Unused loan commitments
  • $12,500Tier 1 (core) risk-based capital
  • $30,699Tier 2 risk-based capital
  • $30,699Total risk weighted assets
  • $3,791Total unused commitments
  • $0Restructured Loans and leases
  • $1,784Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $7,916Total interest income
  • $3,667Total interest expense
  • $4,249Net interest income
  • $6,280Provision for loan and lease losses
  • $4,171Total noninterest income
  • $0Fiduciary activities
  • $64Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,107Additional noninterest income
  • $11,598Total noninterest expense
  • $5,019Salaries and employee benefits
  • $807Premises and equipment expense
  • $5,772Additional noninterest expense
  • -$9,458Pre-tax net operating income
  • $78Securities gains (losses)
  • $0Applicable income taxes
  • -$9,380Income before extraordinary items
  • $0Extraordinary gains - net
  • -$9,380Net income attributable to bank
  • $0Net charge-offs
  • -$9,380Cash dividends
  • $6,199Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 2.40%Cost of funding earning assets
  • 2.79%Net interest margin
  • 2.73%Noninterest income to earning assets
  • 7.60%Noninterest expense to earning assets
  • -4.76%Net operating income to assets
  • -4.72%Return on assets (ROA)
  • -4.72%Pretax return on assets
  • -83.04%Return on equity (ROE)
  • -83.04%Retained earnings to average equity (YTD only)
  • 4.19%Net charge-offs to loans
  • 101.31%Credit loss provision to net charge-offs
  • -0.51%Efficiency ratio
  • 137,743Assets per employee
  • 2.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 14.66%Noncurrent assets plus other real estate owned to assets
  • 14.94%Noncurrent loans to loans
  • 12.05%Net loans and leases to deposits
  • 83.63%Net loans and leases to core deposits
  • 129.53%Equity capital to assets
  • 2.64%Core capital (leverage) ratio
  • 2.19%Tier 1 risk-based capital ratio
  • 3.15%Total risk-based capital ratio
  • Memoranda
  • $4Average assets
  • $198,692Average earning assets
  • $11,296Average equity
  • $152,533Average loans

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