The Community Bank of Carrollton in Carrollton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 21, 1996

  • The Community Bank of Carrollton in Carrollton, Georgia (GA)
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The Community Bank of Carrollton - Overview

  • General
  • FDIC Certificate #: 27264
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 1192573
    Date Established: June 15, 1988
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 39365
    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: June 15, 1988
    Last Structure Change Effective Date: June 21, 1996
    Last Structure Change Process Date: July 24, 1996
    Last Data Update: July 24, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 777 South Park 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)
  • Financial Summary
  • Total assets: $49.5 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)
  • $27Total assets
  • $45,323Cash and due from depository institutions
  • $609Interest-bearing balances
  • $0Securities
  • $11,574Federal funds sold & reverse repurchase agreements
  • $2,321Net loans & leases
  • $27,827Loan loss allowance
  • $774Trading account assets
  • $0Bank premises and fixed assets
  • $2,246Other real estate owned
  • $185Goodwill and other intangibles
  • $561Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $45,323Total liabilities
  • $40,357Total deposits
  • $40,207Interest-bearing deposits
  • $37,028Deposits held in domestic offices
  • 40207.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $151Total equity capital
  • $151Total bank equity capital
  • $4,966Perpetual preferred stock
  • $0Common stock
  • $2,235Surplus
  • $2,235Undivided profits
  • Memoranda
  • $496Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $766Income earned, not collected on loans
  • $244Earning assets
  • $41,722Long-term assets (5+ years)
  • $6,444Average Assets, year-to-date
  • $44,335Average Assets, quarterly
  • $45,397Volatile liabilities
  • $10,502Insider loans
  • $2,498FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,135Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,873Total risk weighted assets
  • $29,357Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,245Total interest expense
  • $1,826Net interest income
  • $2,419Provision for loan and lease losses
  • $756Total noninterest income
  • $354Fiduciary activities
  • $0Service charges on deposit accounts
  • $204Trading account gains & fees
  • $0Additional noninterest income
  • $150Total noninterest expense
  • $1,812Salaries and employee benefits
  • $815Premises and equipment expense
  • $251Additional noninterest expense
  • $746Pre-tax net operating income
  • $205Securities gains (losses)
  • -$5Applicable income taxes
  • $170Income before extraordinary items
  • $30Extraordinary gains - net
  • $0Net income attributable to bank
  • $30Net charge-offs
  • $421Cash dividends
  • $215Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 10.24%Cost of funding earning assets
  • 4.41%Net interest margin
  • 5.84%Noninterest income to earning assets
  • 0.85%Noninterest expense to earning assets
  • 4.37%Net operating income to assets
  • 0.07%Return on assets (ROA)
  • 0.07%Pretax return on assets
  • 0.45%Return on equity (ROE)
  • 0.59%Retained earnings to average equity (YTD only)
  • -3.62%Net charge-offs to loans
  • 1.46%Credit loss provision to net charge-offs
  • 179.57%Efficiency ratio
  • 65,344Assets per employee
  • 1.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 716.67%Loss allowance to loans
  • 2.71%Loss allowance to noncurrent loans
  • 101.04%Noncurrent assets plus other real estate owned to assets
  • 2.10%Noncurrent loans to loans
  • 2.68%Net loans and leases to deposits
  • 69.21%Net loans and leases to core deposits
  • 93.68%Equity capital to assets
  • 10.96%Core capital (leverage) ratio
  • 10.96%Tier 1 risk-based capital ratio
  • 16.60%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $44,335Average earning assets
  • $5,111Average equity
  • $41,436Average loans

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