Vitals
  • Total Assets
    77.4M -5.4 %
  • Total Deposits
    65.0M -6.8 %
  • Total Net Loans
    49.4M 3.4 %
  • Net Income
    384000.0000 124.6 %
  • Book Value
    8.7M 4.5 %
  • Book Value x2
    17.5M 4.5 %
  • Book Value x3
    26.2M 4.5 %
ROAA

.525

ROAE

4.493

Efficiency Ratio

75.367

Net Interest Margin

3.18

Balance Sheet Highlights
Financial Highlights First Community Bank Of Cullman All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 77,436 266,812
Total Net Loans 49,382 157,006
Total Deposits 64,968 227,200
Total Equity 8,740 30,855
Profitability
Net Income 384 2,603
Return on Average Assets .525 .91
Return on Average Equity 4.493 7.525
Net Interest Margin 3.18 3.872
Efficiency Ratio 75.367 69.238
Noninterest Income/Revenue 14.517 15.218
Balance Sheet Ratios
Loan-to-Deposit 76.01 65.031
Securities/Assets .113 .23
Total Equity/Total Assets .113 .116
Tangible Equity/Tangible Assets .113 .114
Capital Adequacy
Tier 1 Common Capital 8,740 30,655
Tier 1 Capital 8,740 30,655
Tier 2 Capital 376 1,864
Total Capital 9,116 32,526
Total Risk Weighted Assets 46,487 184,216
Leverage Ratio 12.53 11.829
Common Equity Tier 1 Capital Ratio 18.8 18.757
Tier 1 Capital Ratio 18.8 18.762
Total Capital Ratio 19.61 19.824

Timeline for First Community Bank Of Cullman

Southern Community Bancshares, Inc.

Southern Community Bancshares, Inc. became a new parent organization for First Community Bank Of Cullman.

View Profile Dec 20 1996

First Community Bank Of Cullman

First Community Bank Of Cullman was established 119 years ago and is currently headquartered in Cullman, AL.

Jan 01 1905
Relationships Role Relationship Start Relationship End
Southern Community Bancshares, Inc. Parent 7/15/2011
Southern Community Bancshares, Inc. Parent 12/20/1996 7/14/2011
Similar Organizations
Organization City State Total Assets
Dakota Prairie Bank
 		Fort Pierre SD 79.2M
Proficio Bank
 		Cottonwood Heights UT 80.2M
Georgia Heritage Bank
 		Dallas GA 78.4M
Southern Bank
 		Sardis GA 78.3M
Tustin Community Bank
 		Tustin CA 78.2M
Fredonia Valley Bank
 		Fredonia KY 79.3M
Almena State Bank
 		Almena KS 81.6M
Pavillion Bank
 		Richardson TX 76.8M
Goppert Financial Bank
 		Lathrop MO 81.9M
Atlantic Community Bank
 		Bluffton SC 81.9M