FDIC Certificate #: 57579 Status: Active Federal Reserve ID: 3213333 Bank Holding Company (Regulatory Top Holder): Community Bank Of Georgia, Inc. (RSSDID: 3213324, Location: Baxley, GA) Date Established: May 11, 2004 WWW:http://www.communitybankga.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 #: 365884 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: May 11, 2004 Last Structure Change Effective Date: March 31, 2007 Last Structure Change Process Date: April 05, 2007 Last Data Update: April 05, 2007 Data Source Date: April 05, 2012
Location
Address: 700 West Parker Street, Baxley, GA 31513 County: Appling Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Savannah Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Change in Location
Financial Summary
Total assets: $68.1 mil Equity capital: $7.2 mil Deposits held in domestic offices: $60.6 mil Return on assets (ROA): 0.85% ($0.6 mil) Quarterly return on assets: 0.79% ($0.5 mil) Return on Equity (ROE): 7.95% ($0.6 mil) Quarterly return on equity: 7.28% ($0.5 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.28% ($871.4 mil) Quarterly Pretax return on assets: 1.19% ($810.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$68,082Total assets
$8,766Cash and due from depository institutions
$4,965Interest-bearing balances
$10,014Securities
$7,615Federal funds sold & reverse repurchase agreements
$39,106Net loans & leases
$633Loan loss allowance
$0Trading account assets
$1,615Bank premises and fixed assets
$280Other real estate owned
$0Goodwill and other intangibles
$68,082Life insurance assets
$686All other assets
$60,877Total liabilities and capital
$60,584Total liabilities
$55,644Total deposits
$60,584Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$293Subordinated debt
$7,205All other liabilities
$7,205Total equity capital
$7,205Total bank equity capital
$0Perpetual preferred stock
$2,822Common stock
$2,822Surplus
$1,561Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,406Income earned, not collected on loans
$0Earning assets
$407Long-term assets (5+ years)
$61,700Average Assets, year-to-date
$12,301Average Assets, quarterly
$64,581Volatile liabilities
$66,027Insider loans
$43,836FHLB advances
$64,808Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,192Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,876Restructured Loans and leases
$2,145Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,932Total interest income
$676Total interest expense
$2,256Net interest income
$120Provision for loan and lease losses
$359Total noninterest income
$0Fiduciary activities
$293Service charges on deposit accounts
$0Trading account gains & fees
$66Additional noninterest income
$1,668Total noninterest expense
$825Salaries and employee benefits
$160Premises and equipment expense
$683Additional noninterest expense
$827Pre-tax net operating income
$0Securities gains (losses)
$280Applicable income taxes
$547Income before extraordinary items
$0Extraordinary gains - net
$547Net income attributable to bank
$0Net charge-offs
$547Cash dividends
$66Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.03%Yield on earning assets
1.16%Cost of funding earning assets
3.87%Net interest margin
0.62%Noninterest income to earning assets
2.86%Noninterest expense to earning assets
0.85%Net operating income to assets
0.85%Return on assets (ROA)
1.28%Pretax return on assets
7.95%Return on equity (ROE)
7.95%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
181.82%Credit loss provision to net charge-offs
14.35%Efficiency ratio
63,786Assets per employee
4.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.59%Loss allowance to noncurrent loans
18.58%Noncurrent assets plus other real estate owned to assets
5.41%Noncurrent loans to loans
8.57%Net loans and leases to deposits
64.55%Net loans and leases to core deposits
70.15%Equity capital to assets
10.58%Core capital (leverage) ratio
11.10%Tier 1 risk-based capital ratio
16.41%Total risk-based capital ratio
Memoranda
$18Average assets
$64,581Average earning assets
$6,880Average equity
$58,340Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
365884
Community Bank Of Georgia
700 West Parker Street, Baxley, GA 31513
May 11, 2004
Full Service Brick and Mortar
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