Community & Southern Bank in Carrollton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community & Southern Bank in Carrollton, Georgia (GA)
  • Show street view No street view available for this location
Community & Southern Bank routing number info

Community & Southern Bank - Overview

  • General
  • FDIC Certificate #: 59010
    Status: Active
    Federal Reserve ID: 3967449
    Bank Holding Company (Regulatory Top Holder): Community & Southern Holdings, Inc. (RSSDID: 3967430, Location: Atlanta, GA)
    Date Established: January 29, 2010
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 39 (Domestic: 39, Interstate: No)
    FDIC's unique #: 495009
    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 29, 2010
    Last Structure Change Effective Date: September 17, 2010
    Last Structure Change Process Date: September 20, 2010
    Last Data Update: September 20, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Maple Street, Carrollton, GA 30117
    County: Carroll
    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
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $2,188.5 mil
    Equity capital: $328.0 mil
    Deposits held in domestic offices: $1,690.2 mil
    Return on assets (ROA): 0.33% ($7.2 mil)
    Quarterly return on assets: 0.14% ($3.1 mil)
    Return on Equity (ROE): 2.27% ($7.4 mil)
    Quarterly return on equity: 0.93% ($3.1 mil)
    Net income: $7.6 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.46% ($10,067.0 mil)
    Quarterly Pretax return on assets: 0.14% ($3,063.9 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 579Total employees (full-time equivalent)
  • $2,188,470Total assets
  • $137,536Cash and due from depository institutions
  • $118,067Interest-bearing balances
  • $529,443Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $923,047Net loans & leases
  • $42,259Loan loss allowance
  • $0Trading account assets
  • $55,336Bank premises and fixed assets
  • $130,923Other real estate owned
  • $20,079Goodwill and other intangibles
  • $2,188,470Life insurance assets
  • $392,106All other assets
  • $1,860,457Total liabilities and capital
  • $1,690,234Total liabilities
  • $1,446,053Total deposits
  • $1,690,234Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 10977.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $112,000Trading liabilities
  • $0Other borrowed funds
  • $47,246Subordinated debt
  • $328,013All other liabilities
  • $328,013Total equity capital
  • $328,013Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $291,941Surplus
  • $33,072Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,379Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $182,947Income earned, not collected on loans
  • $0Earning assets
  • $5,209Long-term assets (5+ years)
  • $1,570,557Average Assets, year-to-date
  • $372,336Average Assets, quarterly
  • $2,279,902Volatile liabilities
  • $2,202,816Insider loans
  • $784,990FHLB advances
  • $2,164,251Loans and leases held for sale
  • $40,861Unused loan commitments
  • $40,861Tier 1 (core) risk-based capital
  • $300,888Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $153,592Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $113,455Total interest income
  • $21,181Total interest expense
  • $92,274Net interest income
  • $11,834Provision for loan and lease losses
  • $19,552Total noninterest income
  • $0Fiduciary activities
  • $6,551Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13,001Additional noninterest income
  • $91,616Total noninterest expense
  • $41,674Salaries and employee benefits
  • $8,888Premises and equipment expense
  • $41,054Additional noninterest expense
  • $8,376Pre-tax net operating income
  • $2,174Securities gains (losses)
  • $2,994Applicable income taxes
  • $7,556Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,556Net income attributable to bank
  • $0Net charge-offs
  • $7,556Cash dividends
  • $2,934Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.19%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 5.85%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 5.81%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.46%Pretax return on assets
  • 2.27%Return on equity (ROE)
  • 2.27%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 403.34%Credit loss provision to net charge-offs
  • 6.89%Efficiency ratio
  • 80,211Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.38%Loss allowance to noncurrent loans
  • 23.10%Noncurrent assets plus other real estate owned to assets
  • 14.34%Noncurrent loans to loans
  • 18.95%Net loans and leases to deposits
  • 54.61%Net loans and leases to core deposits
  • 56.80%Equity capital to assets
  • 14.99%Core capital (leverage) ratio
  • 13.90%Tier 1 risk-based capital ratio
  • 38.33%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $2,279,902Average earning assets
  • $333,323Average equity
  • $1,577,466Average loans

List of branches

  • 39 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0495009Community & Southern Bank201 Maple Street, Carrollton, GA 30117January 29, 2010Full Service Brick and Mortar
    2238146Motor Bank Branch314 Newman Street, Carrollton, GA 30117December 20, 1963Limited Service Facility
    3238147First Tuesday Mall Branch1004 Bankhead Highway, Carrollton, GA 30117April 02, 1981Full Service Brick and Mortar
    4238148Villa Rica Branch725 W Bankhead Hwy, Villa Rica, GA 30180June 30, 1987Full Service Brick and Mortar
    5238149Bowdon Branch205 East College Street, Bowdon, GA 30108September 12, 1988Full Service Brick and Mortar
    7360905Mirror Lake Branch2500 Mirror Lake Blvd, Villa Rica, GA 30180September 07, 2000Full Service Brick and Mortar
    8453062Chapel Hill Branch9360 The Landing Drive, Douglasville, GA 30135April 10, 2006Full Service Brick and Mortar
    107206Buchanan Branch3559 Business 27, Buchanan, GA 30113March 04, 1909Full Service Brick and Mortar
    12224323Bremen Financial Center900 Atlantic Ave, Bremen, GA 30110August 03, 1987Full Service Brick and Mortar
    1313658Tallapoosa Branch3408 Georgia Hwy 565, Tallapoosa, GA 30176October 07, 1935Full Service Brick and Mortar
    15360082Temple Branch184 Carrollton Street, Temple, GA 30179September 16, 2000Full Service Brick and Mortar
    1755567Appalachian Community Bank Branch829 Industrial Boulevard, Ellijay, GA 30540March 03, 1995Full Service Brick and Mortar
    18359930East Ellijay Branch696 First Avenue, East Ellijay, GA 30539May 25, 2000Full Service Brick and Mortar
    1916570Appalachian/Blairsville Branch271 Highway 515, Blairsville, GA 30512January 04, 1982Full Service Brick and Mortar
    20363073Blue Ridge Branch150 Orvin Lance Connector, Blue Ridge, GA 30513Febuary 07, 2002Full Service Brick and Mortar
    21451744Chatsworth Branch1006 Highway 76, Chatsworth, GA 30705May 15, 2006Full Service Brick and Mortar
    22454784Dawsonville Branch28 Main Street, Dawsonville, GA 30534August 01, 2006Full Service Brick and Mortar
    23456597Highlands Branch19 Highland Crossing, Ellijay, GA 30536October 02, 2006Full Service Brick and Mortar
    24458334Dawson 400 Office4300 Dawson Forest Road, Dawsonville, GA 30534January 30, 2007Full Service Brick and Mortar
    25465852Dahlonega Branch53 Mechanicsville Road, Dahlonega, GA 30533June 01, 2007Full Service Brick and Mortar
    26468310Dalton Branch204 West Cuyler Street, Dalton, GA 30721August 20, 2007Full Service Brick and Mortar
    28451745Canton Branch13 Reinhardt College Parkway, Canton, GA 30114May 19, 2006Full Service Brick and Mortar
    29363787First Commerce Community Bank Branch9001 Hospital Drive, Douglasville, GA 30134March 04, 2003Full Service Brick and Mortar
    31144The Peoples Bank Branch71 North Broad Street, Winder, GA 30680October 30, 1926Full Service Brick and Mortar
    33181315Statham Branch1995 Atlanta Highway, S.E., Statham, GA 30666October 12, 1973Full Service Brick and Mortar
    34181316North Broad Branch279 North Broad Street, Winder, GA 30680May 21, 1982Full Service Brick and Mortar
    35181317Auburn Branch5 Main Street, Auburn, GA 30011November 16, 1990Full Service Brick and Mortar
    36181318Holly Hill Branch193 W. Athens St., Winder, GA 30680January 20, 1998Full Service Brick and Mortar
    37431753Braselton Branch2085 Highway 211, N.W., Braselton, GA 30517July 01, 2004Full Service Brick and Mortar
    38468180Bogart Branch3990 Atlanta Highway, Bogart, GA 30622August 22, 2007Full Service Brick and Mortar
    39478899Jonesboro Branch6592 Tara Blvd, Ste 6612, Jonesboro, GA 30236May 21, 2008Full Service Brick and Mortar
    40478901Chamblee Branch3245 Chamblee Dunwoody Rd, Ste 105, Atlanta, GA 30341May 20, 2008Full Service Brick and Mortar
    43478905Forest Park Branch4140 Jonesboro Rd, Ste D-2, Forest Park, GA 30297May 21, 2008Full Service Brick and Mortar
    44478906Norcross Branch5386 Jimmy Carter Blvd, Norcross, GA 30093May 19, 2008Full Service Brick and Mortar
    45478907Roswell Branch10485 Alpharetta Street, Roswell, GA 30075May 20, 2008Full Service Brick and Mortar
    46519350El Banco - Marietta Branch270 Cobb Parkway South, Marietta, GA 30060April 27, 2011Full Service Brick and Mortar
    47521582Riverwood Branch3333 Riverwood Parkway, Atlanta, GA 30339September 13, 2010Full Service Brick and Mortar
    48521583Cumming Branch1700 Market Place Blvd., Cumming, GA 30041Febuary 22, 2011Full Service Brick and Mortar
    49526384Roswell Branch900 Woodstock Road, Roswell, GA 30075October 17, 2011Full Service Brick and Mortar
1
Jared Rogers
⚠
I was wondering if a Joel or Pam Rogers have an existing account or savings account. They have both recently passed away and I’m the oldest son Jared Rogers and I found a account from Valic there teachers retirement and I’m the beneficiary

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 & Southern 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.
Table of Contents