FDIC Certificate #: 22205 Status: Active Federal Reserve ID: 1007734 Date Established: January 01, 1934 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 15427 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 06, 1976 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: 2020 East Main Street, Barwick, GA 31720 County: Brooks 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): Valdosta, GA (#46660) CBSA Metro Statistical Area: Valdosta, GA (#46660)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $12.5 mil Equity capital: $0.8 mil Deposits held in domestic offices: $11.7 mil Return on assets (ROA): 0.23% ($0.0 mil) Quarterly return on assets: 2.95% ($0.4 mil) Return on Equity (ROE): 3.79% ($0.0 mil) Quarterly return on equity: 47.18% ($0.5 mil) Net income: $0.0 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.23% ($28.8 mil) Quarterly Pretax return on assets: 2.95% ($369.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$12,534Total assets
$6,622Cash and due from depository institutions
$4,824Interest-bearing balances
$1,586Securities
$390Federal funds sold & reverse repurchase agreements
$3,797Net loans & leases
$84Loan loss allowance
$0Trading account assets
$13Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$12,534Life insurance assets
$126All other assets
$11,717Total liabilities and capital
$11,707Total liabilities
$9,497Total deposits
$11,707Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$10Subordinated debt
$817All other liabilities
$817Total equity capital
$817Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$900Surplus
$-183Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$68Long-term assets (5+ years)
$10,597Average Assets, year-to-date
$386Average Assets, quarterly
$12,490Volatile liabilities
$12,356Insider loans
$3,384FHLB advances
$12,475Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$817Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$129Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$360Total interest income
$127Total interest expense
$233Net interest income
-$2Provision for loan and lease losses
$29Total noninterest income
$0Fiduciary activities
$24Service charges on deposit accounts
$0Trading account gains & fees
$5Additional noninterest income
$326Total noninterest expense
$201Salaries and employee benefits
$36Premises and equipment expense
$89Additional noninterest expense
-$62Pre-tax net operating income
$91Securities gains (losses)
$0Applicable income taxes
$29Income before extraordinary items
$0Extraordinary gains - net
$29Net income attributable to bank
$0Net charge-offs
$29Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.41%Yield on earning assets
1.20%Cost of funding earning assets
2.21%Net interest margin
0.27%Noninterest income to earning assets
3.09%Noninterest expense to earning assets
-0.50%Net operating income to assets
0.23%Return on assets (ROA)
0.23%Pretax return on assets
3.79%Return on equity (ROE)
3.79%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
124,427Assets per employee
4.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.16%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
32.43%Net loans and leases to core deposits
32.43%Equity capital to assets
6.52%Core capital (leverage) ratio
6.55%Tier 1 risk-based capital ratio
24.14%Total risk-based capital ratio
Memoranda
$25Average assets
$12,490Average earning assets
$765Average equity
$10,552Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15427
Barwick Banking Company
2020 East Main Street, Barwick, GA 31720
January 01, 1934
Full Service Brick and Mortar
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