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


  • Bank of Madison in Madison, Georgia (GA)
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Bank of Madison routing number info

Bank of Madison - Overview

  • General
  • FDIC Certificate #: 148
    Status: Active
    Federal Reserve ID: 752831
    Bank Holding Company (Regulatory Top Holder): Madison Bank Corp. (RSSDID: 1135105, Location: Madison, GA)
    Date Established: January 01, 1890
    WWW: http://www.bankofmadisonga.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11273
    FDIC's unique #: 115
    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: Commercial Lending Specialization
    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: 133 North Main Street, Madison, GA 30650
    County: Morgan
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $217.9 mil
    Equity capital: $27.4 mil
    Deposits held in domestic offices: $179.7 mil
    Return on assets (ROA): 0.07% ($0.2 mil)
    Quarterly return on assets: -0.39% (-$0.9 mil)
    Return on Equity (ROE): 0.56% ($0.2 mil)
    Quarterly return on equity: -3.07% (-$0.8 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.14% ($305.1 mil)
    Quarterly Pretax return on assets: -0.25% (-$544.8 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
  • 51Total employees (full-time equivalent)
  • $217,907Total assets
  • $30,530Cash and due from depository institutions
  • $24,342Interest-bearing balances
  • $45,067Securities
  • $3,878Federal funds sold & reverse repurchase agreements
  • $132,665Net loans & leases
  • $2,704Loan loss allowance
  • $0Trading account assets
  • $358Bank premises and fixed assets
  • $2,427Other real estate owned
  • $0Goodwill and other intangibles
  • $217,907Life insurance assets
  • $2,982All other assets
  • $190,556Total liabilities and capital
  • $179,690Total liabilities
  • $151,901Total deposits
  • $179,690Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,072Trading liabilities
  • $0Other borrowed funds
  • $794Subordinated debt
  • $27,351All other liabilities
  • $27,351Total equity capital
  • $27,351Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $10,400Surplus
  • $16,851Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,904Income earned, not collected on loans
  • $0Earning assets
  • $1,040Long-term assets (5+ years)
  • $205,952Average Assets, year-to-date
  • $54,461Average Assets, quarterly
  • $219,664Volatile liabilities
  • $215,927Insider loans
  • $132,947FHLB advances
  • $212,188Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,730Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,406Restructured Loans and leases
  • $679Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,647Total interest income
  • $2,123Total interest expense
  • $7,524Net interest income
  • $2,985Provision for loan and lease losses
  • $829Total noninterest income
  • $0Fiduciary activities
  • $582Service charges on deposit accounts
  • $0Trading account gains & fees
  • $247Additional noninterest income
  • $5,364Total noninterest expense
  • $2,755Salaries and employee benefits
  • $1,201Premises and equipment expense
  • $1,408Additional noninterest expense
  • $4Pre-tax net operating income
  • $297Securities gains (losses)
  • $150Applicable income taxes
  • $151Income before extraordinary items
  • $0Extraordinary gains - net
  • $151Net income attributable to bank
  • $0Net charge-offs
  • $151Cash dividends
  • $3,197Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • -0.02%Net operating income to assets
  • 0.07%Return on assets (ROA)
  • 0.14%Pretax return on assets
  • 0.56%Return on equity (ROE)
  • 0.56%Retained earnings to average equity (YTD only)
  • 2.29%Net charge-offs to loans
  • 93.37%Credit loss provision to net charge-offs
  • 0.93%Efficiency ratio
  • 64,216Assets per employee
  • 4.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 27.30%Noncurrent assets plus other real estate owned to assets
  • 5.66%Noncurrent loans to loans
  • 7.32%Net loans and leases to deposits
  • 73.83%Net loans and leases to core deposits
  • 86.38%Equity capital to assets
  • 12.55%Core capital (leverage) ratio
  • 12.60%Tier 1 risk-based capital ratio
  • 20.11%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $219,664Average earning assets
  • $26,797Average equity
  • $206,987Average loans

List of branches

  • 4 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0115Bank Of Madison133 North Main Street, Madison, GA 30650January 01, 1890Full Service Brick and Mortar
    1181235Drive-In Facility153 North Main Street, Madison, GA 30650November 14, 1978Limited Service Facility
    2181236Eatontown Road Branch1540 Eatonton Road, Madison, GA 30650March 29, 1999Full Service Brick and Mortar
    4433927Social Circle Branch1281 North Cherokee Road, Social Circle, GA 30025December 15, 2004Full Service Brick and Mortar

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