The Commercial Bank in Douglasville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 27, 1996

  • The Commercial Bank in Douglasville, Georgia (GA)
  • Show street view No street view available for this location

The Commercial Bank - Overview

  • General
  • FDIC Certificate #: 15889
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 55037
    Date Established: January 01, 1934
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    FDIC's unique #: 10125
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 01, 1942
    Last Structure Change Effective Date: June 27, 1996
    Last Structure Change Process Date: August 08, 1996
    Last Data Update: August 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Church And Cambelton Streets, Douglasville, GA 30133
    County: Douglas
    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)
  • Financial Summary
  • Total assets: $146.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $106Total assets
  • $147,222Cash and due from depository institutions
  • $4,951Interest-bearing balances
  • $590Securities
  • $58,404Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $67,356Loan loss allowance
  • $1,316Trading account assets
  • $0Bank premises and fixed assets
  • $7,260Other real estate owned
  • $2,674Goodwill and other intangibles
  • $3,735Life insurance assets
  • $2,842All other assets
  • $0Total liabilities and capital
  • $147,222Total liabilities
  • $134,053Total deposits
  • $132,003Interest-bearing deposits
  • $100,590Deposits held in domestic offices
  • 132003.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $229Subordinated debt
  • $0All other liabilities
  • $321Total equity capital
  • $321Total bank equity capital
  • $13,169Perpetual preferred stock
  • $0Common stock
  • $1,819Surplus
  • $9,920Undivided profits
  • Memoranda
  • $1,430Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,305Income earned, not collected on loans
  • $105Earning assets
  • $126,350Long-term assets (5+ years)
  • $19,650Average Assets, year-to-date
  • $141,065Average Assets, quarterly
  • $145,874Volatile liabilities
  • $12,022Insider loans
  • $2,762FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $15,920Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,165Total risk weighted assets
  • $84,715Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,806Total interest expense
  • $4,059Net interest income
  • $5,747Provision for loan and lease losses
  • $130Total noninterest income
  • $3,230Fiduciary activities
  • $0Service charges on deposit accounts
  • $2,077Trading account gains & fees
  • $0Additional noninterest income
  • $1,153Total noninterest expense
  • $9,759Salaries and employee benefits
  • $2,885Premises and equipment expense
  • $1,107Additional noninterest expense
  • $5,767Pre-tax net operating income
  • -$912Securities gains (losses)
  • -$60Applicable income taxes
  • -$665Income before extraordinary items
  • -$307Extraordinary gains - net
  • $0Net income attributable to bank
  • -$307Net charge-offs
  • $555Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $19Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.21%Cost of funding earning assets
  • 3.40%Net interest margin
  • 4.81%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 8.17%Net operating income to assets
  • -0.19%Return on assets (ROA)
  • -0.22%Pretax return on assets
  • -0.69%Return on equity (ROE)
  • -2.35%Retained earnings to average equity (YTD only)
  • -2.35%Net charge-offs to loans
  • 0.78%Credit loss provision to net charge-offs
  • 23.42%Efficiency ratio
  • 105,503Assets per employee
  • 1.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 100.84%Noncurrent assets plus other real estate owned to assets
  • 2.70%Noncurrent loans to loans
  • 1.90%Net loans and leases to deposits
  • 51.03%Net loans and leases to core deposits
  • 55.45%Equity capital to assets
  • 8.94%Core capital (leverage) ratio
  • 5.72%Tier 1 risk-based capital ratio
  • 9.64%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $141,065Average earning assets
  • $13,075Average equity
  • $119,473Average loans

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