Community Capital Bank provides consumer and business banking services in Georgia.  The bank was established on August 5, 2002.  Community Capital Bank has been FDIC insured since August 5, 2002.  Community Capital Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank has approximately 36 full time employees.  As of December 2008, the bank had total assets of $185,350,000 and total deposits of $143,660,000.  Net income for 2008 was a loss of -$2,961,000.

Community Capital Bank most recent performance ratios.
As of December 31, 2008:

Return on assets (ROA) -1.56%
Return on equity (ROE) -16.23%
Yield on earning assets 5.55% 
Cost of funding earning assets 3.44% 
Net interest margin 2.12%
Noncurrent loans to loans 13.89%
Equity capital to assets 9.51% 
Capital (leverage) ratio 8.62% 
Tier 1 risk-based capital ratio 11.91% 
Total risk-based capital ratio  13.17%

Community Capital Bank products and services:

The banks deposit products include demand deposits, checking accounts and savings accounts, NOW accounts, IRA accounts, HSA accounts, money market accounts and time deposits, as well as certificates of deposit.  The bank’s loan portfolio comprises a variety of commercial and consumer loans.  Consumer loans include auto loans, residential mortgage loans, construction loans, home equity loans, CD secured loans, unsecured loans, overdraft protection and personal lines of credit.  The commercial lending department specializes in loans for real estate acquisition and development, construction projects, business expansion, equipment purchases, lines of credit, short term loans, and SBA related lending.

Community Capital Bank branch locations:

2236 Mt. Zion Road
Jonesboro, Georgia 30236
Phone: (770) 472-5020
Fax: (770) 472-5021
Telephone Banking: (877) 350-7220

909 Eagles Landing Parkway
Ste. 440
Stockbridge, Georgia 30281
Phone: (770) 506-0622
Fax: (770) 506-0644

655 North Jeff Davis Drive
Fayetteville, Georgia 30214
Phone: (770) 460-2777
Fax: (770)460-2778

Community Capital Bank web address: www.ccbank.us

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