Crawford County Bank in Roberta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 15, 1996

Crawford County Bank in Roberta, Georgia (GA)
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Crawford County Bank - Overview

General
FDIC Certificate #: 9241
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Southland Bank (#10052)
Federal Reserve ID: 716235
Date Established: January 08, 1901
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 10056
FDIC's unique #: 5913
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: January 01, 1934
Last Structure Change Effective Date: October 15, 1996
Last Structure Change Process Date: October 31, 1996
Last Data Update: October 31, 1996
Data Source Date: April 05, 2012
Location
Address: 141 South Dugger Street, Roberta, GA 31078
County: Crawford
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
Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
Core Based Statistical Area (CBSA): Macon, GA (#31420)
CBSA Metro Statistical Area: Macon, GA (#31420)
Financial Summary
Total assets: $27.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$16Total assets
$29,005Cash and due from depository institutions
$800Interest-bearing balances
$0Securities
$8,799Federal funds sold & reverse repurchase agreements
$1,685Net loans & leases
$17,080Loan loss allowance
$206Trading account assets
$0Bank premises and fixed assets
$228Other real estate owned
$15Goodwill and other intangibles
$398Life insurance assets
$0All other assets
$0Total liabilities and capital
$29,005Total liabilities
$25,990Total deposits
$24,854Interest-bearing deposits
$20,632Deposits held in domestic offices
24854.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$924Subordinated debt
$0All other liabilities
$212Total equity capital
$212Total bank equity capital
$3,015Perpetual preferred stock
$0Common stock
$60Surplus
$1,440Undivided profits
Memoranda
$1,515Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$296Income earned, not collected on loans
$198Earning assets
$27,564Long-term assets (5+ years)
$2,352Average Assets, year-to-date
$28,555Average Assets, quarterly
$28,503Volatile liabilities
$1,951Insider loans
$252FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,414Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,009Total risk weighted assets
$17,431Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$2,439Total interest expense
$954Net interest income
$1,485Provision for loan and lease losses
$37Total noninterest income
$238Fiduciary activities
$0Service charges on deposit accounts
$178Trading account gains & fees
$0Additional noninterest income
$60Total noninterest expense
$1,060Salaries and employee benefits
$585Premises and equipment expense
$105Additional noninterest expense
$370Pre-tax net operating income
$626Securities gains (losses)
$0Applicable income taxes
$173Income before extraordinary items
$453Extraordinary gains - net
$0Net income attributable to bank
$453Net charge-offs
$34Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.19%Cost of funding earning assets
3.59%Net interest margin
5.59%Noninterest income to earning assets
0.90%Noninterest expense to earning assets
3.99%Net operating income to assets
1.59%Return on assets (ROA)
1.59%Pretax return on assets
2.19%Return on equity (ROE)
16.37%Retained earnings to average equity (YTD only)
16.37%Net charge-offs to loans
0.20%Credit loss provision to net charge-offs
108.82%Efficiency ratio
61,521Assets per employee
1.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
69.59%Noncurrent assets plus other real estate owned to assets
1.07%Noncurrent loans to loans
1.71%Net loans and leases to deposits
68.72%Net loans and leases to core deposits
73.22%Equity capital to assets
10.39%Core capital (leverage) ratio
10.66%Tier 1 risk-based capital ratio
17.26%Total risk-based capital ratio
Memoranda
$18Average assets
$28,555Average earning assets
$2,767Average equity
$26,546Average loans

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