First Bank of Coastal Georgia in city_name, state_name - Detailed Financial Reports, Location

First Bank of Coastal Georgia in Pembroke, Georgia (GA)
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First Bank of Coastal Georgia routing number info

First Bank of Coastal Georgia - Overview

General
FDIC Certificate #: 15580
Status: Active
Federal Reserve ID: 823638
Bank Holding Company (Regulatory Top Holder): Putnam-Greene Financial Corporation (RSSDID: 1246252, Location: Eatonton, GA)
Date Established: January 01, 1907
WWW: http://www.firstbankofcg.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 9868
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: Febuary 10, 1938
Last Structure Change Effective Date: March 14, 2007
Last Structure Change Process Date: March 23, 2007
Last Data Update: March 23, 2007
Data Source Date: April 05, 2012
Location
Address: 250 West Bacon Street, Pembroke, GA 31321
County: Bryan
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Savannah
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Savannah, GA (#7520)
Combined Statistical Area (CSA): Savannah-Hinesville-Fort Stewart, GA (#496)
Core Based Statistical Area (CBSA): Savannah, GA (#42340)
CBSA Metro Statistical Area: Savannah, GA (#42340)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $126.7 mil
Equity capital: $13.1 mil
Deposits held in domestic offices: $103.6 mil
Return on assets (ROA): 0.67% ($0.9 mil)
Quarterly return on assets: 0.81% ($1.0 mil)
Return on Equity (ROE): 6.67% ($0.9 mil)
Quarterly return on equity: 7.40% ($1.0 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.80% ($1,014.0 mil)
Quarterly Pretax return on assets: 1.04% ($1,318.2 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
29Total employees (full-time equivalent)
$126,746Total assets
$10,773Cash and due from depository institutions
$7,894Interest-bearing balances
$65,696Securities
$0Federal funds sold & reverse repurchase agreements
$42,665Net loans & leases
$2,181Loan loss allowance
$0Trading account assets
$1,291Bank premises and fixed assets
$3,589Other real estate owned
$0Goodwill and other intangibles
$126,746Life insurance assets
$2,732All other assets
$113,678Total liabilities and capital
$103,612Total liabilities
$92,694Total deposits
$103,612Interest-bearing deposits
$66Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9,500Trading liabilities
$0Other borrowed funds
$566Subordinated debt
$13,068All other liabilities
$13,068Total equity capital
$13,068Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$9,950Surplus
$2,818Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,255Income earned, not collected on loans
$0Earning assets
$686Long-term assets (5+ years)
$116,255Average Assets, year-to-date
$67,084Average Assets, quarterly
$123,233Volatile liabilities
$119,786Insider loans
$61,219FHLB advances
$115,097Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,200Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,918Restructured Loans and leases
$757Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,202Total interest income
$1,166Total interest expense
$4,036Net interest income
$1,264Provision for loan and lease losses
$159Total noninterest income
$0Fiduciary activities
$301Service charges on deposit accounts
$0Trading account gains & fees
-$142Additional noninterest income
$2,956Total noninterest expense
$1,334Salaries and employee benefits
$350Premises and equipment expense
$1,272Additional noninterest expense
-$25Pre-tax net operating income
$1,010Securities gains (losses)
$165Applicable income taxes
$820Income before extraordinary items
$0Extraordinary gains - net
$820Net income attributable to bank
$0Net charge-offs
$820Cash dividends
$806Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.55%Yield on earning assets
1.02%Cost of funding earning assets
3.53%Net interest margin
0.14%Noninterest income to earning assets
2.58%Noninterest expense to earning assets
-0.01%Net operating income to assets
0.67%Return on assets (ROA)
0.80%Pretax return on assets
6.67%Return on equity (ROE)
6.67%Retained earnings to average equity (YTD only)
1.68%Net charge-offs to loans
156.82%Credit loss provision to net charge-offs
1.54%Efficiency ratio
70,465Assets per employee
4.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.86%Loss allowance to noncurrent loans
34.87%Noncurrent assets plus other real estate owned to assets
7.77%Noncurrent loans to loans
13.95%Net loans and leases to deposits
41.18%Net loans and leases to core deposits
43.39%Equity capital to assets
10.31%Core capital (leverage) ratio
10.60%Tier 1 risk-based capital ratio
19.93%Total risk-based capital ratio
Memoranda
$21Average assets
$123,233Average earning assets
$12,291Average equity
$114,433Average loans

List of branches

2 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	9868	First Bank Of Coastal Georgia	250 West Bacon Street, Pembroke, GA 31321	January 01, 1907	Full Service Brick and Mortar
1	234575	Richmond Hill Branch	9720 Ford Avenue, Richmond Hill, GA 31324	January 17, 1972	Full Service Brick and Mortar

First Bank of Coastal Georgia in Pembroke, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Coastal Georgia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank of Coastal Georgia in Pembroke, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Coastal Georgia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank of Coastal Georgia in Pembroke, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches