The Commercial Bank of Demopolis in Demopolis, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 2004

The Commercial Bank of Demopolis in Demopolis, Alabama (AL)
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The Commercial Bank of Demopolis - Overview

General
FDIC Certificate #: 2792
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: BankTrust (#26607)
Federal Reserve ID: 491738
Date Established: June 26, 1911
WWW: http://www.cb-demopolis.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 13025
FDIC's unique #: 1822
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: January 01, 1934
Last Structure Change Effective Date: August 01, 2004
Last Structure Change Process Date: October 21, 2004
Last Data Update: October 21, 2004
Data Source Date: April 05, 2012
Location
Address: 201 North Main Avenue, Demopolis, AL 36732
County: Marengo
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Montgomery
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $82.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)

Dollar figures in thousands
33Total employees (full-time equivalent)
$84,102Total assets
$3,339Cash and due from depository institutions
$30Interest-bearing balances
$19,280Securities
$0Federal funds sold & reverse repurchase agreements
$59,258Net loans & leases
$885Loan loss allowance
$0Trading account assets
$1,173Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,052All other assets
$84,102Total liabilities and capital
$76,678Total liabilities
$71,422Total deposits
$62,024Interest-bearing deposits
$71,422Deposits held in domestic offices
0.00%% insured (estimated)
$584Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,086Other borrowed funds
$0Subordinated debt
$586All other liabilities
$7,424Total equity capital
$7,424Total bank equity capital
$7,424Perpetual preferred stock
$0Common stock
$121Surplus
$1,267Undivided profits
Memoranda
$6,036Noncurrent loans and leases
$4,170Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$542Earning assets
$0Long-term assets (5+ years)
$557Average Assets, year-to-date
$78,568Average Assets, quarterly
$20,359Volatile liabilities
$86,619Insider loans
$85,465FHLB advances
$22,868Loans and leases held for sale
$7,840Unused loan commitments
$4,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,170Total unused commitments
$0Restructured Loans and leases
$755Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$4,881Total interest income
$1,649Total interest expense
$3,232Net interest income
$339Provision for loan and lease losses
$448Total noninterest income
$0Fiduciary activities
$366Service charges on deposit accounts
$0Trading account gains & fees
$82Additional noninterest income
$2,149Total noninterest expense
$1,082Salaries and employee benefits
$347Premises and equipment expense
$720Additional noninterest expense
$1,192Pre-tax net operating income
$89Securities gains (losses)
$327Applicable income taxes
$954Income before extraordinary items
$0Extraordinary gains - net
$954Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$209Sale, conversion, retirement of capital stock, net
$2,200Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.07%Yield on earning assets
2.05%Cost of funding earning assets
4.02%Net interest margin
0.56%Noninterest income to earning assets
2.67%Noninterest expense to earning assets
1.03%Net operating income to assets
1.10%Return on assets (ROA)
1.48%Pretax return on assets
11.15%Return on equity (ROE)
-14.56%Retained earnings to average equity (YTD only)
0.36%Net charge-offs to loans
162.20%Credit loss provision to net charge-offs
7.33%Efficiency ratio
58,397Assets per employee
2.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
230.61%Loss allowance to loans
1.47%Loss allowance to noncurrent loans
163.28%Noncurrent assets plus other real estate owned to assets
0.64%Noncurrent loans to loans
0.90%Net loans and leases to deposits
82.97%Net loans and leases to core deposits
120.38%Equity capital to assets
8.83%Core capital (leverage) ratio
8.39%Tier 1 risk-based capital ratio
11.83%Total risk-based capital ratio
Memoranda
$13Average assets
$86,619Average earning assets
$8,557Average equity
$80,458Average loans

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