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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Community Capital Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents