Baker County Bank in Newton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 02, 1994

Baker County Bank in Newton, Georgia (GA)
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Baker County Bank - Overview

General
FDIC Certificate #: 5692
Status: Inactive
Closing history: Corrections
Acquiring institution: Southwest Georgia Bank (#2147)
Federal Reserve ID: 765635
Date Established: October 15, 1906
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 3876
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: December 02, 1994
Last Structure Change Process Date: December 19, 1994
Last Data Update: December 19, 1994
Data Source Date: April 05, 2012
Location
Address: State Highway 91, Newton, GA 31770
County: Baker
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Albany Ga
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Albany, GA (#10500)
CBSA Metro Statistical Area: Albany, GA (#10500)
History of Changes
Absorption - Without Assistance
Corrections
Financial Summary
Total assets: $15.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$15,853Cash and due from depository institutions
$729Interest-bearing balances
$0Securities
$5,402Federal funds sold & reverse repurchase agreements
$1,837Net loans & leases
$7,433Loan loss allowance
$371Trading account assets
$0Bank premises and fixed assets
$140Other real estate owned
$76Goodwill and other intangibles
$236Life insurance assets
$0All other assets
$0Total liabilities and capital
$15,853Total liabilities
$14,493Total deposits
$14,345Interest-bearing deposits
$11,954Deposits held in domestic offices
14345.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$148Total equity capital
$148Total bank equity capital
$1,360Perpetual preferred stock
$1,200Common stock
$100Surplus
$1,000Undivided profits
Memoranda
$-940Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$251Income earned, not collected on loans
$170Earning assets
$14,672Long-term assets (5+ years)
$1,336Average Assets, year-to-date
$15,989Average Assets, quarterly
$15,587Volatile liabilities
$3,248Insider loans
$54FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$175Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,360Total risk weighted assets
$8,418Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,250Total interest expense
$543Net interest income
$707Provision for loan and lease losses
$711Total noninterest income
$163Fiduciary activities
$0Service charges on deposit accounts
$96Trading account gains & fees
$0Additional noninterest income
$67Total noninterest expense
$683Salaries and employee benefits
$240Premises and equipment expense
$61Additional noninterest expense
$382Pre-tax net operating income
-$524Securities gains (losses)
$28Applicable income taxes
$0Income before extraordinary items
-$496Extraordinary gains - net
$0Net income attributable to bank
-$496Net charge-offs
$1,229Cash dividends
$0Sale, conversion, retirement of capital stock, net
$1,200Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.51%Cost of funding earning assets
3.70%Net interest margin
4.81%Noninterest income to earning assets
1.11%Noninterest expense to earning assets
4.65%Net operating income to assets
-3.28%Return on assets (ROA)
-3.10%Pretax return on assets
-3.10%Return on equity (ROE)
-48.02%Retained earnings to average equity (YTD only)
-48.02%Net charge-offs to loans
12.37%Credit loss provision to net charge-offs
57.85%Efficiency ratio
78,506Assets per employee
1.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.75%Loss allowance to noncurrent loans
147.81%Noncurrent assets plus other real estate owned to assets
2.06%Noncurrent loans to loans
3.22%Net loans and leases to deposits
51.82%Net loans and leases to core deposits
66.98%Equity capital to assets
8.58%Core capital (leverage) ratio
8.67%Tier 1 risk-based capital ratio
16.16%Total risk-based capital ratio
Memoranda
$17Average assets
$15,989Average earning assets
$1,033Average equity
$14,687Average loans

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