Community Federal Savings Bank in Fort Oglethorpe, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 17, 1995

  • Community Federal Savings Bank in Fort Oglethorpe, Georgia (GA)
  • Show street view No street view available for this location

Community Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 31952
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: AmSouth Bank of Georgia (#33766)
    Federal Reserve ID: 927778
    Date Established: December 11, 1978
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7643
    FDIC's unique #: 44786
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: December 12, 1978
    Last Structure Change Effective Date: Febuary 17, 1995
    Last Structure Change Process Date: April 06, 1995
    Last Data Update: November 21, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 385 Battlefield Parkway, Fort Oglethorpe, GA 30742
    County: Catoosa
    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): Chattanooga, TN-GA (#1560)
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $107.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $48Total assets
  • $107,018Cash and due from depository institutions
  • $5,876Interest-bearing balances
  • $4,901Securities
  • $1,019Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $96,754Loan loss allowance
  • $744Trading account assets
  • $0Bank premises and fixed assets
  • $1,513Other real estate owned
  • $114Goodwill and other intangibles
  • $1,742Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $107,018Total liabilities
  • $96,229Total deposits
  • $88,396Interest-bearing deposits
  • $85,690Deposits held in domestic offices
  • 88396.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $7,000Subordinated debt
  • $0All other liabilities
  • $833Total equity capital
  • $833Total bank equity capital
  • $10,789Perpetual preferred stock
  • $0Common stock
  • $249Surplus
  • $2,039Undivided profits
  • Memoranda
  • $8,501Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $377Income earned, not collected on loans
  • $610Earning assets
  • $102,674Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $103,591Average Assets, quarterly
  • $105,311Volatile liabilities
  • $13,574Insider loans
  • $0FHLB advances
  • $7,000Loans and leases held for sale
  • $0Unused loan commitments
  • $475Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $10,789Total risk weighted assets
  • $64,240Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,839Total interest expense
  • $3,668Net interest income
  • $4,171Provision for loan and lease losses
  • $55Total noninterest income
  • $886Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $886Total noninterest expense
  • $2,518Salaries and employee benefits
  • $1,084Premises and equipment expense
  • $680Additional noninterest expense
  • $754Pre-tax net operating income
  • $2,484Securities gains (losses)
  • $0Applicable income taxes
  • $924Income before extraordinary items
  • $1,560Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,560Net charge-offs
  • $28Cash dividends
  • $448Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.90%Cost of funding earning assets
  • 3.70%Net interest margin
  • 4.21%Noninterest income to earning assets
  • 0.89%Noninterest expense to earning assets
  • 2.54%Net operating income to assets
  • 1.51%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 2.40%Return on equity (ROE)
  • 15.26%Retained earnings to average equity (YTD only)
  • 10.88%Net charge-offs to loans
  • 0.03%Credit loss provision to net charge-offs
  • 196.43%Efficiency ratio
  • 49,792Assets per employee
  • 2.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.72%Loss allowance to loans
  • 0.76%Loss allowance to noncurrent loans
  • 197.35%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.39%Net loans and leases to deposits
  • 109.46%Net loans and leases to core deposits
  • 118.25%Equity capital to assets
  • 10.08%Core capital (leverage) ratio
  • 10.08%Tier 1 risk-based capital ratio
  • 16.79%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $103,591Average earning assets
  • $10,224Average equity
  • $99,177Average loans

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