The Commercial Bank in Crawford, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Commercial Bank - Overview

  • General
  • FDIC Certificate #: 175
    Status: Active
    Federal Reserve ID: 469737
    Bank Holding Company (Regulatory Top Holder): Tcb Bancshares, Inc. (RSSDID: 1417418, Location: Crawford, GA)
    Date Established: September 05, 1924
    WWW: http://www.thecommercialbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 139
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 01, 2006
    Last Structure Change Process Date: April 17, 2007
    Last Data Update: April 17, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 N. Church Street, Crawford, GA 30630
    County: Oglethorpe
    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
    Core Based Statistical Area (CBSA): Athens-Clarke County, GA (#12020)
    CBSA Metro Statistical Area: Athens-Clarke County, GA (#12020)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $99.3 mil
    Equity capital: $9.4 mil
    Deposits held in domestic offices: $89.4 mil
    Return on assets (ROA): 0.20% ($0.2 mil)
    Quarterly return on assets: -0.60% (-$0.6 mil)
    Return on Equity (ROE): 2.12% ($0.2 mil)
    Quarterly return on equity: -5.98% (-$0.5 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.20% ($198.6 mil)
    Quarterly Pretax return on assets: -0.60% (-$595.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 25Total employees (full-time equivalent)
  • $99,303Total assets
  • $19,530Cash and due from depository institutions
  • $18,278Interest-bearing balances
  • $34,430Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,343Net loans & leases
  • $1,853Loan loss allowance
  • $0Trading account assets
  • $776Bank premises and fixed assets
  • $1,551Other real estate owned
  • $0Goodwill and other intangibles
  • $99,303Life insurance assets
  • $1,673All other assets
  • $89,875Total liabilities and capital
  • $89,418Total liabilities
  • $72,566Total deposits
  • $89,418Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $457Subordinated debt
  • $9,428All other liabilities
  • $9,428Total equity capital
  • $9,428Total bank equity capital
  • $0Perpetual preferred stock
  • $217Common stock
  • $3,533Surplus
  • $5,678Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,574Income earned, not collected on loans
  • $0Earning assets
  • $452Long-term assets (5+ years)
  • $94,051Average Assets, year-to-date
  • $34,688Average Assets, quarterly
  • $99,170Volatile liabilities
  • $96,888Insider loans
  • $42,465FHLB advances
  • $95,061Loans and leases held for sale
  • $615Unused loan commitments
  • $615Tier 1 (core) risk-based capital
  • $8,809Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,980Restructured Loans and leases
  • $91Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,236Total interest income
  • $807Total interest expense
  • $3,429Net interest income
  • $1,158Provision for loan and lease losses
  • $904Total noninterest income
  • $0Fiduciary activities
  • $538Service charges on deposit accounts
  • $0Trading account gains & fees
  • $366Additional noninterest income
  • $3,412Total noninterest expense
  • $1,343Salaries and employee benefits
  • $295Premises and equipment expense
  • $1,774Additional noninterest expense
  • -$237Pre-tax net operating income
  • $438Securities gains (losses)
  • $0Applicable income taxes
  • $201Income before extraordinary items
  • $0Extraordinary gains - net
  • $201Net income attributable to bank
  • $0Net charge-offs
  • $201Cash dividends
  • $797Sale, conversion, retirement of capital stock, net
  • $64Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • -0.24%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 2.12%Return on equity (ROE)
  • 1.44%Retained earnings to average equity (YTD only)
  • 1.80%Net charge-offs to loans
  • 145.29%Credit loss provision to net charge-offs
  • 1.16%Efficiency ratio
  • 78,745Assets per employee
  • 3.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.84%Loss allowance to loans
  • 4.29%Loss allowance to noncurrent loans
  • 51.85%Noncurrent assets plus other real estate owned to assets
  • 5.16%Noncurrent loans to loans
  • 8.27%Net loans and leases to deposits
  • 46.24%Net loans and leases to core deposits
  • 52.38%Equity capital to assets
  • 9.49%Core capital (leverage) ratio
  • 9.27%Tier 1 risk-based capital ratio
  • 20.74%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $99,170Average earning assets
  • $9,497Average equity
  • $92,880Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0139The Commercial Bank102 N. Church Street, Crawford, GA 30630September 05, 1924Full Service Brick and Mortar
    2294934Winterville Branch100 Moores Grove Road, Winterville, GA 30683December 31, 1998Full Service Brick and Mortar

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