FDIC Certificate #: 22309 Status: Active Federal Reserve ID: 105633 Bank Holding Company (Regulatory Top Holder): Dooly Bancshares, Inc. (RSSDID: 1132494, Location: Vienna, GA) Date Established: July 30, 1976 WWW:http://www.bankofdooly.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12701 FDIC's unique #: 15518 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: July 30, 1976 Last Structure Change Effective Date: July 10, 2008 Last Structure Change Process Date: July 30, 2008 Last Data Update: July 30, 2008 Data Source Date: April 05, 2012
Location
Address: 210 South Third Street, Vienna, GA 31092 County: Dooly 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
History of Changes
Change in Location
Financial Summary
Total assets: $115.6 mil Equity capital: $13.7 mil Deposits held in domestic offices: $101.6 mil Return on assets (ROA): -1.64% (-$1.9 mil) Quarterly return on assets: -3.10% (-$3.6 mil) Return on Equity (ROE): -12.79% (-$1.8 mil) Quarterly return on equity: -24.20% (-$3.4 mil) Net income: -$1.9 mil Quarterly Net income: -$0.9 mil Pretax return on assets: -1.64% (-$1,896.0 mil) Quarterly Pretax return on assets: -3.10% (-$3,583.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$115,611Total assets
$16,307Cash and due from depository institutions
$13,942Interest-bearing balances
$8,395Securities
$10,415Federal funds sold & reverse repurchase agreements
$74,044Net loans & leases
$2,444Loan loss allowance
$0Trading account assets
$2,224Bank premises and fixed assets
$2,663Other real estate owned
$0Goodwill and other intangibles
$115,611Life insurance assets
$1,563All other assets
$101,891Total liabilities and capital
$101,612Total liabilities
$86,629Total deposits
$101,612Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$279Subordinated debt
$13,720All other liabilities
$13,720Total equity capital
$13,720Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$7,500Surplus
$5,720Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,198Income earned, not collected on loans
$0Earning assets
$1,034Long-term assets (5+ years)
$106,796Average Assets, year-to-date
$7,548Average Assets, quarterly
$114,942Volatile liabilities
$110,369Insider loans
$77,940FHLB advances
$112,287Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,720Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,364Restructured Loans and leases
$1,696Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,244Total interest income
$1,067Total interest expense
$4,177Net interest income
$3,710Provision for loan and lease losses
$96Total noninterest income
$0Fiduciary activities
$567Service charges on deposit accounts
$0Trading account gains & fees
-$471Additional noninterest income
$2,451Total noninterest expense
$1,211Salaries and employee benefits
$360Premises and equipment expense
$880Additional noninterest expense
-$1,888Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$1,888Income before extraordinary items
$0Extraordinary gains - net
-$1,888Net income attributable to bank
$0Net charge-offs
-$1,888Cash dividends
$2,698Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
1.01%Cost of funding earning assets
3.97%Net interest margin
0.09%Noninterest income to earning assets
2.33%Noninterest expense to earning assets
-1.64%Net operating income to assets
-1.64%Return on assets (ROA)
-1.64%Pretax return on assets
-12.79%Return on equity (ROE)
-12.79%Retained earnings to average equity (YTD only)
3.33%Net charge-offs to loans
137.51%Credit loss provision to net charge-offs
0.68%Efficiency ratio
57,360Assets per employee
5.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.20%Loss allowance to noncurrent loans
47.02%Noncurrent assets plus other real estate owned to assets
6.80%Noncurrent loans to loans
6.80%Net loans and leases to deposits
72.87%Net loans and leases to core deposits
84.59%Equity capital to assets
11.87%Core capital (leverage) ratio
12.22%Tier 1 risk-based capital ratio
17.60%Total risk-based capital ratio
Memoranda
$19Average assets
$114,942Average earning assets
$14,763Average equity
$105,146Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15518
Bank Of Dooly
210 South Third Street, Vienna, GA 31092
July 30, 1976
Full Service Brick and Mortar
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