FDIC Certificate #: 58299 Status: Active Federal Reserve ID: 3482812 Date Established: October 16, 2006 WWW:http://www.ccbankga.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 445677 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 16, 2006 Last Structure Change Effective Date: Febuary 04, 2011 Last Structure Change Process Date: Febuary 07, 2011 Last Data Update: Febuary 07, 2011 Data Source Date: April 05, 2012
Location
Address: 5604 Whittlesey Blvd, Columbus, GA 31909 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: $107.9 mil Equity capital: $11.0 mil Deposits held in domestic offices: $95.2 mil Return on assets (ROA): 0.66% ($0.7 mil) Quarterly return on assets: 0.54% ($0.6 mil) Return on Equity (ROE): 6.40% ($0.7 mil) Quarterly return on equity: 5.24% ($0.6 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.66% ($712.4 mil) Quarterly Pretax return on assets: 0.54% ($582.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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)
$107,936Total assets
$5,664Cash and due from depository institutions
$0Interest-bearing balances
$18,153Securities
$16,110Federal funds sold & reverse repurchase agreements
$62,709Net loans & leases
$2,031Loan loss allowance
$0Trading account assets
$3,468Bank premises and fixed assets
$861Other real estate owned
$0Goodwill and other intangibles
$107,936Life insurance assets
$971All other assets
$96,936Total liabilities and capital
$95,241Total liabilities
$89,253Total deposits
$95,241Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,500Trading liabilities
$0Other borrowed funds
$195Subordinated debt
$11,000All other liabilities
$11,000Total equity capital
$11,000Total bank equity capital
$0Perpetual preferred stock
$12,895Common stock
$2,482Surplus
$-4,377Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,048Income earned, not collected on loans
$0Earning assets
$197Long-term assets (5+ years)
$96,972Average Assets, year-to-date
$16,688Average Assets, quarterly
$101,247Volatile liabilities
$106,186Insider loans
$75,527FHLB advances
$105,718Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,669Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,888Restructured Loans and leases
$6,501Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,702Total interest income
$1,006Total interest expense
$3,696Net interest income
$368Provision for loan and lease losses
$134Total noninterest income
$0Fiduciary activities
$105Service charges on deposit accounts
$0Trading account gains & fees
$29Additional noninterest income
$2,851Total noninterest expense
$1,356Salaries and employee benefits
$305Premises and equipment expense
$1,190Additional noninterest expense
$611Pre-tax net operating income
$59Securities gains (losses)
$0Applicable income taxes
$670Income before extraordinary items
$0Extraordinary gains - net
$670Net income attributable to bank
$0Net charge-offs
$670Cash dividends
$486Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.15%Yield on earning assets
1.10%Cost of funding earning assets
4.05%Net interest margin
0.15%Noninterest income to earning assets
3.12%Noninterest expense to earning assets
0.60%Net operating income to assets
0.66%Return on assets (ROA)
0.66%Pretax return on assets
6.40%Return on equity (ROE)
6.40%Retained earnings to average equity (YTD only)
0.75%Net charge-offs to loans
75.72%Credit loss provision to net charge-offs
2.01%Efficiency ratio
74,439Assets per employee
4.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.14%Loss allowance to noncurrent loans
193.80%Noncurrent assets plus other real estate owned to assets
1.77%Noncurrent loans to loans
1.62%Net loans and leases to deposits
65.84%Net loans and leases to core deposits
71.28%Equity capital to assets
10.19%Core capital (leverage) ratio
10.09%Tier 1 risk-based capital ratio
14.13%Total risk-based capital ratio
Memoranda
$15Average assets
$101,247Average earning assets
$10,473Average equity
$91,311Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
445677
Columbus Community Bank
5604 Whittlesey Blvd, Columbus, GA 31909
October 16, 2006
Full Service Brick and Mortar
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