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

This bank is inactive as of January 01, 1999

  • Bank of Terrell in Dawson, Georgia (GA)
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Bank of Terrell - Overview

  • General
  • FDIC Certificate #: 15400
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Citizens State Bank of Taylor County (#884)
    Federal Reserve ID: 414036
    Date Established: May 01, 1936
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 9717
    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: July 10, 1936
    Last Structure Change Effective Date: January 01, 1999
    Last Structure Change Process Date: April 16, 1999
    Last Data Update: April 16, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 121-7 East Lee Street, Dawson, GA 31742
    County: Terrell
    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)
  • Financial Summary
  • Total assets: $85.0 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $84,977Total assets
  • $3,874Cash and due from depository institutions
  • $1,731Interest-bearing balances
  • $19,147Securities
  • $12,802Federal funds sold & reverse repurchase agreements
  • $46,780Net loans & leases
  • $605Loan loss allowance
  • $0Trading account assets
  • $646Bank premises and fixed assets
  • $124Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,604All other assets
  • $84,977Total liabilities and capital
  • $74,960Total liabilities
  • $74,392Total deposits
  • $64,747Interest-bearing deposits
  • $74,392Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $568All other liabilities
  • $10,017Total equity capital
  • $10,017Total bank equity capital
  • $10,017Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $2,400Undivided profits
  • Memoranda
  • $7,217Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $863Earning assets
  • $86Long-term assets (5+ years)
  • $1,146Average Assets, year-to-date
  • $80,460Average Assets, quarterly
  • $19,213Volatile liabilities
  • $81,482Insider loans
  • $83,813FHLB advances
  • $25,817Loans and leases held for sale
  • $1,139Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,927Total unused commitments
  • $0Restructured Loans and leases
  • $55,560Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $6,509Total interest income
  • $3,329Total interest expense
  • $3,180Net interest income
  • $336Provision for loan and lease losses
  • $350Total noninterest income
  • $0Fiduciary activities
  • $302Service charges on deposit accounts
  • $0Trading account gains & fees
  • $48Additional noninterest income
  • $1,784Total noninterest expense
  • $1,143Salaries and employee benefits
  • $284Premises and equipment expense
  • $357Additional noninterest expense
  • $1,410Pre-tax net operating income
  • $0Securities gains (losses)
  • $367Applicable income taxes
  • $1,043Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,043Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $281Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.48%Yield on earning assets
  • 4.34%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 10.93%Return on equity (ROE)
  • 6.74%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 119.57%Credit loss provision to net charge-offs
  • 6.21%Efficiency ratio
  • 50,538Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.35%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 70.10%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 1.82%Net loans and leases to deposits
  • 62.88%Net loans and leases to core deposits
  • 96.30%Equity capital to assets
  • 11.79%Core capital (leverage) ratio
  • 11.92%Tier 1 risk-based capital ratio
  • 17.84%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $81,482Average earning assets
  • $9,543Average equity
  • $76,774Average loans

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