Family Bank in Pelham, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Family Bank in Pelham, Georgia (GA)
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Family Bank - Overview

  • General
  • FDIC Certificate #: 29357
    Status: Active
    Federal Reserve ID: 156970
    Date Established: January 01, 1931
    WWW: http://www.familybankonline.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 3330
    FDIC's unique #: 42191
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: May 11, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 134 Hand Avenue, Pelham, GA 31779
    County: Mitchell
    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 Primary Regulatory Agency
  • Financial Summary
  • Total assets: $87.4 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $79.2 mil
    Return on assets (ROA): 0.43% ($0.4 mil)
    Quarterly return on assets: -0.13% (-$0.1 mil)
    Return on Equity (ROE): 4.83% ($0.4 mil)
    Quarterly return on equity: -1.41% (-$0.1 mil)
    Net income: $0.4 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.64% ($559.5 mil)
    Quarterly Pretax return on assets: -0.27% (-$236.1 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
  • 30Total employees (full-time equivalent)
  • $87,428Total assets
  • $7,429Cash and due from depository institutions
  • $1,749Interest-bearing balances
  • $8,757Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $67,299Net loans & leases
  • $788Loan loss allowance
  • $0Trading account assets
  • $2,131Bank premises and fixed assets
  • $512Other real estate owned
  • $265Goodwill and other intangibles
  • $87,428Life insurance assets
  • $1,035All other assets
  • $79,469Total liabilities and capital
  • $79,184Total liabilities
  • $73,282Total deposits
  • $79,184Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $285Subordinated debt
  • $7,959All other liabilities
  • $7,959Total equity capital
  • $7,959Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $7,959Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,138Income earned, not collected on loans
  • $0Earning assets
  • $555Long-term assets (5+ years)
  • $77,805Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $86,772Volatile liabilities
  • $86,889Insider loans
  • $54,691FHLB advances
  • $87,041Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,572Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,000Restructured Loans and leases
  • $130Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,579Total interest income
  • $1,229Total interest expense
  • $3,350Net interest income
  • $135Provision for loan and lease losses
  • $936Total noninterest income
  • $0Fiduciary activities
  • $66Service charges on deposit accounts
  • $0Trading account gains & fees
  • $870Additional noninterest income
  • $3,598Total noninterest expense
  • $1,969Salaries and employee benefits
  • $493Premises and equipment expense
  • $1,136Additional noninterest expense
  • $553Pre-tax net operating income
  • $0Securities gains (losses)
  • $181Applicable income taxes
  • $372Income before extraordinary items
  • $0Extraordinary gains - net
  • $372Net income attributable to bank
  • $0Net charge-offs
  • $372Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.00%Yield on earning assets
  • 1.61%Cost of funding earning assets
  • 4.39%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 4.71%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 4.83%Return on equity (ROE)
  • 4.83%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 162.65%Credit loss provision to net charge-offs
  • 8.29%Efficiency ratio
  • 83,668Assets per employee
  • 2.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 69.24%Noncurrent assets plus other real estate owned to assets
  • 1.89%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 84.99%Net loans and leases to core deposits
  • 86.63%Equity capital to assets
  • 9.10%Core capital (leverage) ratio
  • 8.70%Tier 1 risk-based capital ratio
  • 13.85%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $86,772Average earning assets
  • $7,706Average equity
  • $76,319Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042191Family Bank134 Hand Avenue, Pelham, GA 31779January 01, 1931Full Service Brick and Mortar
    100274755152 East Broad Street Branch152 East Broad Street, Camilla, GA 31730January 01, 1931Full Service Brick and Mortar
    101274756800 East College Street Branch800 East College Street, Bainbridge, GA 39817June 30, 1989Full Service Brick and Mortar

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