Bank of Chickamauga in Chickamauga, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of Chickamauga in Chickamauga, Georgia (GA)
  • Show street view No street view available for this location
Bank of Chickamauga routing number info

Bank of Chickamauga - Overview

  • General
  • FDIC Certificate #: 5713
    Status: Active
    Federal Reserve ID: 512839
    Bank Holding Company (Regulatory Top Holder): Southcrest Financial Group, Inc. (RSSDID: 2497202, Location: Peachtree City, GA)
    Date Established: May 10, 1910
    WWW: http://www.bankofchickamauga.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13324
    FDIC's unique #: 3894
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Gordon Street, Chickamauga, GA 30707
    County: Walker
    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): Chattanooga, TN-GA (#1560)
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.6 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $46.5 mil
    Return on assets (ROA): 0.21% ($0.1 mil)
    Quarterly return on assets: -0.22% (-$0.1 mil)
    Return on Equity (ROE): 2.07% ($0.1 mil)
    Quarterly return on equity: -2.06% (-$0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.21% ($110.5 mil)
    Quarterly Pretax return on assets: -0.22% (-$115.7 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $52,607Total assets
  • $8,258Cash and due from depository institutions
  • $5,130Interest-bearing balances
  • $13,691Securities
  • $2,500Federal funds sold & reverse repurchase agreements
  • $21,538Net loans & leases
  • $774Loan loss allowance
  • $0Trading account assets
  • $2,116Bank premises and fixed assets
  • $0Other real estate owned
  • $56Goodwill and other intangibles
  • $52,607Life insurance assets
  • $4,448All other assets
  • $47,015Total liabilities and capital
  • $46,478Total liabilities
  • $38,486Total deposits
  • $46,478Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $537Subordinated debt
  • $5,592All other liabilities
  • $5,592Total equity capital
  • $5,592Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $11,550Surplus
  • $-6,158Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $934Income earned, not collected on loans
  • $0Earning assets
  • $172Long-term assets (5+ years)
  • $42,859Average Assets, year-to-date
  • $12,195Average Assets, quarterly
  • $55,043Volatile liabilities
  • $52,658Insider loans
  • $25,413FHLB advances
  • $52,171Loans and leases held for sale
  • $3,764Unused loan commitments
  • $3,764Tier 1 (core) risk-based capital
  • $5,205Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $83Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,089Total interest income
  • $531Total interest expense
  • $1,558Net interest income
  • $23Provision for loan and lease losses
  • $538Total noninterest income
  • $0Fiduciary activities
  • $480Service charges on deposit accounts
  • $0Trading account gains & fees
  • $58Additional noninterest income
  • $2,077Total noninterest expense
  • $864Salaries and employee benefits
  • $235Premises and equipment expense
  • $978Additional noninterest expense
  • -$4Pre-tax net operating income
  • $120Securities gains (losses)
  • $0Applicable income taxes
  • $116Income before extraordinary items
  • $0Extraordinary gains - net
  • $116Net income attributable to bank
  • $0Net charge-offs
  • $116Cash dividends
  • $281Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.62%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 4.83%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 2.07%Return on equity (ROE)
  • 2.07%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 8.19%Credit loss provision to net charge-offs
  • 0.07%Efficiency ratio
  • 98,569Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.47%Loss allowance to noncurrent loans
  • 82.87%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 4.19%Net loans and leases to deposits
  • 46.34%Net loans and leases to core deposits
  • 47.73%Equity capital to assets
  • 10.63%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 20.48%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $55,043Average earning assets
  • $5,602Average equity
  • $42,995Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    03894Bank Of Chickamauga201 Gordon Street, Chickamauga, GA 30707May 10, 1910Full Service Brick and Mortar
    1208057Highway 27 Branch112 Lafayette Road, Chickamauga, GA 30707August 08, 1974Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Chickamauga.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents