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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