First Columbus Community Bank & Trust Company in Columbus, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 28, 1994

  • First Columbus Community Bank & Trust Company in Columbus, Georgia (GA)
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First Columbus Community Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 27514
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SouthTrust Bank of Columbus, National Association (#1738)
    Federal Reserve ID: 1396009
    Date Established: April 20, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 40247
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 20, 1989
    Last Structure Change Effective Date: July 28, 1994
    Last Structure Change Process Date: August 09, 1994
    Last Data Update: August 09, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 2301 Airport Thruway, Columbus, GA 31904
    County: Muscogee
    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): Columbus, GA-AL (#1800)
    Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194)
    Core Based Statistical Area (CBSA): Columbus, GA-AL (#17980)
    CBSA Metro Statistical Area: Columbus, GA-AL (#17980)
  • Financial Summary
  • Total assets: $54.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $27Total assets
  • $57,035Cash and due from depository institutions
  • $2,864Interest-bearing balances
  • $497Securities
  • $13,131Federal funds sold & reverse repurchase agreements
  • $4,471Net loans & leases
  • $34,563Loan loss allowance
  • $417Trading account assets
  • $0Bank premises and fixed assets
  • $1,296Other real estate owned
  • $0Goodwill and other intangibles
  • $706Life insurance assets
  • $4All other assets
  • $0Total liabilities and capital
  • $57,035Total liabilities
  • $51,243Total deposits
  • $50,948Interest-bearing deposits
  • $43,002Deposits held in domestic offices
  • 50948.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $295Total equity capital
  • $295Total bank equity capital
  • $5,792Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $2,419Undivided profits
  • Memoranda
  • $873Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $123Income earned, not collected on loans
  • $310Earning assets
  • $52,662Long-term assets (5+ years)
  • $5,664Average Assets, year-to-date
  • $55,518Average Assets, quarterly
  • $57,423Volatile liabilities
  • $9,230Insider loans
  • $2,078FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,686Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,788Total risk weighted assets
  • $35,810Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,013Total interest expense
  • $1,628Net interest income
  • $2,385Provision for loan and lease losses
  • $250Total noninterest income
  • $345Fiduciary activities
  • $0Service charges on deposit accounts
  • $216Trading account gains & fees
  • $0Additional noninterest income
  • $129Total noninterest expense
  • $1,974Salaries and employee benefits
  • $907Premises and equipment expense
  • $342Additional noninterest expense
  • $725Pre-tax net operating income
  • $506Securities gains (losses)
  • $75Applicable income taxes
  • $209Income before extraordinary items
  • $372Extraordinary gains - net
  • $32Net income attributable to bank
  • $404Net charge-offs
  • $331Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.91%Cost of funding earning assets
  • 3.21%Net interest margin
  • 4.70%Noninterest income to earning assets
  • 0.68%Noninterest expense to earning assets
  • 3.89%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 1.10%Return on equity (ROE)
  • 7.24%Retained earnings to average equity (YTD only)
  • 7.24%Net charge-offs to loans
  • 0.93%Credit loss provision to net charge-offs
  • 75.53%Efficiency ratio
  • 71,941Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 339.02%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 67.84%Net loans and leases to core deposits
  • 82.85%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 10.11%Tier 1 risk-based capital ratio
  • 16.16%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $55,518Average earning assets
  • $5,583Average equity
  • $50,745Average loans

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