FDIC Certificate #: 58624 Status: Active Federal Reserve ID: 3686722 Date Established: January 22, 2008 WWW:http://www.cbbga.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 #: 459440 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: January 22, 2008 Last Structure Change Effective Date: January 22, 2008 Last Structure Change Process Date: January 23, 2008 Last Data Update: January 23, 2008 Data Source Date: April 05, 2012
Location
Address: 407 East Maple Street, Cumming, GA 30040 County: Forsyth 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): Atlanta, GA (#520) Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122) Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060) CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $109.8 mil Equity capital: $16.4 mil Deposits held in domestic offices: $90.1 mil Return on assets (ROA): 0.84% ($0.9 mil) Quarterly return on assets: 0.36% ($0.4 mil) Return on Equity (ROE): 5.65% ($0.9 mil) Quarterly return on equity: 2.40% ($0.4 mil) Net income: $0.9 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.84% ($922.5 mil) Quarterly Pretax return on assets: 0.36% ($395.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$109,825Total assets
$12,525Cash and due from depository institutions
$12,368Interest-bearing balances
$30,348Securities
$1,440Federal funds sold & reverse repurchase agreements
$62,671Net loans & leases
$1,403Loan loss allowance
$0Trading account assets
$1,884Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$109,825Life insurance assets
$957All other assets
$93,405Total liabilities and capital
$90,052Total liabilities
$70,523Total deposits
$90,052Interest-bearing deposits
$87Deposits held in domestic offices
3260.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$93Subordinated debt
$16,420All other liabilities
$16,420Total equity capital
$16,420Total bank equity capital
$0Perpetual preferred stock
$8,399Common stock
$10,363Surplus
$-2,342Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$334Long-term assets (5+ years)
$106,827Average Assets, year-to-date
$37,366Average Assets, quarterly
$107,074Volatile liabilities
$109,303Insider loans
$64,806FHLB advances
$109,347Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,417Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,857Restructured Loans and leases
$3,086Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,505Total interest income
$895Total interest expense
$3,610Net interest income
$691Provision for loan and lease losses
$86Total noninterest income
$0Fiduciary activities
$28Service charges on deposit accounts
$0Trading account gains & fees
$58Additional noninterest income
$2,317Total noninterest expense
$1,225Salaries and employee benefits
$211Premises and equipment expense
$881Additional noninterest expense
$688Pre-tax net operating income
$214Securities gains (losses)
$0Applicable income taxes
$902Income before extraordinary items
$0Extraordinary gains - net
$902Net income attributable to bank
$0Net charge-offs
$902Cash dividends
$51Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.33%Yield on earning assets
0.86%Cost of funding earning assets
3.47%Net interest margin
0.08%Noninterest income to earning assets
2.23%Noninterest expense to earning assets
0.64%Net operating income to assets
0.84%Return on assets (ROA)
0.84%Pretax return on assets
5.65%Return on equity (ROE)
5.65%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
1354.90%Credit loss provision to net charge-offs
27.04%Efficiency ratio
62,689Assets per employee
9.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.19%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
69.59%Net loans and leases to core deposits
77.96%Equity capital to assets
14.95%Core capital (leverage) ratio
15.01%Tier 1 risk-based capital ratio
25.33%Total risk-based capital ratio
Memoranda
$27Average assets
$107,074Average earning assets
$15,954Average equity
$104,083Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
459440
Community Business Bank
407 East Maple Street, Cumming, GA 30040
January 22, 2008
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Community Business Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: