Gwinnett Community Bank in Duluth, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Gwinnett Community Bank in Duluth, Georgia (GA)
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Gwinnett Community Bank - Overview

  • General
  • FDIC Certificate #: 35249
    Status: Active
    Federal Reserve ID: 2853358
    Bank Holding Company (Regulatory Top Holder): Community Financial Holding Company, Inc. (RSSDID: 3101010, Location: Duluth, GA)
    Date Established: October 18, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 76806
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 18, 1999
    Last Structure Change Effective Date: August 17, 2006
    Last Structure Change Process Date: August 17, 2006
    Last Data Update: August 17, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2775 Buford Highway, Duluth, GA 30096
    County: Gwinnett
    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: $493.2 mil
    Equity capital: $15.6 mil
    Deposits held in domestic offices: $450.5 mil
    Return on assets (ROA): -0.74% (-$3.6 mil)
    Quarterly return on assets: -0.76% (-$3.7 mil)
    Return on Equity (ROE): -22.36% (-$3.6 mil)
    Quarterly return on equity: -23.28% (-$3.7 mil)
    Net income: -$3.7 mil
    Quarterly Net income: -$1.0 mil
    Pretax return on assets: -0.73% (-$3,600.1 mil)
    Quarterly Pretax return on assets: -0.73% (-$3,600.1 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
  • 46Total employees (full-time equivalent)
  • $493,163Total assets
  • $41,814Cash and due from depository institutions
  • $35,341Interest-bearing balances
  • $84,844Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $309,327Net loans & leases
  • $7,522Loan loss allowance
  • $0Trading account assets
  • $9,386Bank premises and fixed assets
  • $43,608Other real estate owned
  • $0Goodwill and other intangibles
  • $493,164Life insurance assets
  • $4,184All other assets
  • $477,522Total liabilities and capital
  • $450,460Total liabilities
  • $414,747Total deposits
  • $450,460Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 25000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,062Subordinated debt
  • $15,642All other liabilities
  • $15,642Total equity capital
  • $15,642Total bank equity capital
  • $0Perpetual preferred stock
  • $4,338Common stock
  • $24,986Surplus
  • $-13,682Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $51,348Income earned, not collected on loans
  • $0Earning assets
  • $2,040Long-term assets (5+ years)
  • $429,512Average Assets, year-to-date
  • $146,619Average Assets, quarterly
  • $508,598Volatile liabilities
  • $504,010Insider loans
  • $361,635FHLB advances
  • $510,864Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,672Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,513Restructured Loans and leases
  • $4,141Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,705Total interest income
  • $10,694Total interest expense
  • $10,011Net interest income
  • $5,144Provision for loan and lease losses
  • $2,629Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,271Additional noninterest income
  • $12,456Total noninterest expense
  • $3,158Salaries and employee benefits
  • $712Premises and equipment expense
  • $8,586Additional noninterest expense
  • -$4,960Pre-tax net operating income
  • $1,253Securities gains (losses)
  • $39Applicable income taxes
  • -$3,746Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,746Net income attributable to bank
  • $0Net charge-offs
  • -$3,746Cash dividends
  • $4,463Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 2.37%Cost of funding earning assets
  • 2.22%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • -0.98%Net operating income to assets
  • -0.74%Return on assets (ROA)
  • -0.73%Pretax return on assets
  • -22.36%Return on equity (ROE)
  • -22.36%Retained earnings to average equity (YTD only)
  • 1.35%Net charge-offs to loans
  • 115.26%Credit loss provision to net charge-offs
  • 0.04%Efficiency ratio
  • 98,544Assets per employee
  • 10.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.37%Loss allowance to noncurrent loans
  • 14.65%Noncurrent assets plus other real estate owned to assets
  • 19.25%Noncurrent loans to loans
  • 16.21%Net loans and leases to deposits
  • 68.67%Net loans and leases to core deposits
  • 75.66%Equity capital to assets
  • 3.17%Core capital (leverage) ratio
  • 3.07%Tier 1 risk-based capital ratio
  • 4.33%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $508,598Average earning assets
  • $16,753Average equity
  • $450,943Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    076806Gwinnett Community Bank2775 Buford Highway, Duluth, GA 30096October 18, 1999Full Service Brick and Mortar
    1428079Lawrenceville-Suwanee Road Branch3893 Lawrenceville Road, Suwanee, GA 30024March 01, 2004Full Service Brick and Mortar
    3479001Hamilton Mill Branch2715 Hamilton Mill Road, Buford, GA 30519August 20, 2007Full Service Brick and Mortar

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