CCB Savings Bank of Lenoir, Inc., SSB in Lenoir, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 04, 1995

  • CCB Savings Bank of Lenoir, Inc., SSB in Lenoir, North Carolina (NC)
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CCB Savings Bank of Lenoir, Inc., SSB - Overview

  • General
  • FDIC Certificate #: 32345
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central Carolina Bank and Trust Company (#2033)
    Federal Reserve ID: 321871
    Date Established: April 04, 1912
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 8167
    FDIC's unique #: 45179
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 26, 1985
    Last Structure Change Effective Date: Febuary 04, 1995
    Last Structure Change Process Date: April 07, 1995
    Last Data Update: April 07, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 107 Norwood Street, Southwest, Lenoir, NC 28645
    County: Caldwell
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Charlotte
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Hickory-Morganton-Lenoir, NC (#3290)
    Core Based Statistical Area (CBSA): Hickory-Lenoir-Morganton, NC (#25860)
    CBSA Metro Statistical Area: Hickory-Lenoir-Morganton, NC (#25860)
  • Financial Summary
  • Total assets: $229.0 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
  • $228,987Cash and due from depository institutions
  • $3,412Interest-bearing balances
  • $2,458Securities
  • $35,223Federal funds sold & reverse repurchase agreements
  • $26,931Net loans & leases
  • $158,854Loan loss allowance
  • $2,076Trading account assets
  • $0Bank premises and fixed assets
  • $323Other real estate owned
  • $135Goodwill and other intangibles
  • $4,109Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $228,987Total liabilities
  • $206,183Total deposits
  • $184,272Interest-bearing deposits
  • $182,238Deposits held in domestic offices
  • 184272.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $21,911Total equity capital
  • $21,911Total bank equity capital
  • $22,804Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $22,804Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $895Income earned, not collected on loans
  • $556Earning assets
  • $223,466Long-term assets (5+ years)
  • $36,972Average Assets, year-to-date
  • $234,000Average Assets, quarterly
  • $228,711Volatile liabilities
  • $50,284Insider loans
  • $466FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,541Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,650Total risk weighted assets
  • $111,270Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $16,187Total interest expense
  • $7,489Net interest income
  • $8,698Provision for loan and lease losses
  • $0Total noninterest income
  • $2,406Fiduciary activities
  • $0Service charges on deposit accounts
  • $163Trading account gains & fees
  • $0Additional noninterest income
  • $2,243Total noninterest expense
  • $6,048Salaries and employee benefits
  • $3,588Premises and equipment expense
  • $386Additional noninterest expense
  • $2,074Pre-tax net operating income
  • $5,056Securities gains (losses)
  • $0Applicable income taxes
  • $1,100Income before extraordinary items
  • $3,956Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,956Net charge-offs
  • -$2Cash dividends
  • $860Sale, 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
  • 7.14%Cost of funding earning assets
  • 3.30%Net interest margin
  • 3.84%Noninterest income to earning assets
  • 1.06%Noninterest expense to earning assets
  • 2.67%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 2.16%Return on equity (ROE)
  • 18.26%Retained earnings to average equity (YTD only)
  • 14.29%Net charge-offs to loans
  • -0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,467Assets per employee
  • 4.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.74%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 231.96%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 86.21%Net loans and leases to core deposits
  • 118.56%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 10.21%Tier 1 risk-based capital ratio
  • 21.25%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $234,000Average earning assets
  • $21,671Average equity
  • $226,615Average loans

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