Commercial Banking Company
Valdosta, GA — Federal Savings Bank
Active
Vitals
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Total Assets235.2M 3.5 %
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Total Deposits193.2M 7.5 %
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Total Net Loans159.8M 0.2 %
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Net Income1.5M -14.6 %
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Book Value29.7M 3.9 %
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Book Value x259.4M 3.9 %
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Book Value x389.1M 3.9 %
Balance Sheet Highlights
| Financial Highlights | Commercial Banking Company | All Insured Savings Banks in Georgia |
| Balance Sheet $(000) | ||
| Total Assets | 235,235 | 307,758 |
| Total Net Loans | 159,781 | 216,571 |
| Total Deposits | 193,182 | 252,178 |
| Total Equity | 29,700 | 38,396 |
| Profitability | ||
| Net Income | 1,479 | 2,926 |
| Return on Average Assets | .646 | .728 |
| Return on Average Equity | 5.033 | 6.766 |
| Net Interest Margin | 3.385 | 3.974 |
| Efficiency Ratio | 74.212 | 81.825 |
| Noninterest Income/Revenue | 12.484 | 35.999 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 82.71 | 88.337 |
| Securities/Assets | .111 | .129 |
| Total Equity/Total Assets | .126 | .125 |
| Tangible Equity/Tangible Assets | .126 | .116 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 30,246 | 36,180 |
| Tier 1 Capital | 30,246 | 36,180 |
| Tier 2 Capital | 1,902 | 2,309 |
| Total Capital | 32,148 | 38,490 |
| Total Risk Weighted Assets | 151,398 | 211,263 |
| Leverage Ratio | 12.9 | 12.979 |
| Common Equity Tier 1 Capital Ratio | 19.98 | 22.198 |
| Tier 1 Capital Ratio | 19.98 | 22.198 |
| Total Capital Ratio | 21.23 | 23.256 |
Timeline for Commercial Banking Company
Lowndes Bancshares, Inc.
Lowndes Bancshares, Inc. became a new parent organization for Commercial Banking Company.
View Profile Oct 01 1985
Commercial Banking Company
Commercial Banking Company was established 90 years ago and is currently headquartered in Valdosta, GA.
Jan 01 1934| Relationships | Role | Relationship Start | Relationship End |
| Lowndes Bancshares, Inc. | Parent | 7/21/2011 | |
| Lowndes Bancshares, Inc. | Parent | 11/15/1995 | 7/20/2011 |
| Lowndes Bancshares, Inc. | Parent | 10/1/1985 | 11/14/1995 |
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