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

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

First Bank of Dalton - Overview

General
FDIC Certificate #: 34116
Status: Active
Federal Reserve ID: 2349459
Bank Holding Company (Regulatory Top Holder): Fbd Holding Company, Inc. (RSSDID: 2349440, Location: Dalton, GA)
Date Established: January 08, 1996
WWW: http://www.firstbankofdalton.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 56259
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: Commercial Lending Specialization
Date of Deposit Insurance: January 08, 1996
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: 118 North Hamilton Street, Dalton, GA 30721
County: Whitfield
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
Core Based Statistical Area (CBSA): Dalton, GA (#19140)
CBSA Metro Statistical Area: Dalton, GA (#19140)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $177.5 mil
Equity capital: $15.3 mil
Deposits held in domestic offices: $161.7 mil
Return on assets (ROA): 0.21% ($0.4 mil)
Quarterly return on assets: 0.11% ($0.2 mil)
Return on Equity (ROE): 2.55% ($0.4 mil)
Quarterly return on equity: 1.31% ($0.2 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.32% ($567.9 mil)
Quarterly Pretax return on assets: 0.18% ($319.5 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
39Total employees (full-time equivalent)
$177,475Total assets
$5,333Cash and due from depository institutions
$1,321Interest-bearing balances
$43,253Securities
$1,967Federal funds sold & reverse repurchase agreements
$115,856Net loans & leases
$2,737Loan loss allowance
$0Trading account assets
$2,331Bank premises and fixed assets
$7,124Other real estate owned
$0Goodwill and other intangibles
$177,475Life insurance assets
$1,611All other assets
$162,190Total liabilities and capital
$161,654Total liabilities
$145,209Total deposits
$161,654Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$536Subordinated debt
$15,285All other liabilities
$15,285Total equity capital
$15,285Total bank equity capital
$0Perpetual preferred stock
$3,648Common stock
$15,579Surplus
$-3,942Undivided profits
Memoranda
$0Noncurrent loans and leases
$295Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,012Income earned, not collected on loans
$0Earning assets
$747Long-term assets (5+ years)
$162,397Average Assets, year-to-date
$38,892Average Assets, quarterly
$179,709Volatile liabilities
$179,303Insider loans
$124,906FHLB advances
$179,782Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,023Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$15,720Restructured Loans and leases
$13,061Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,428Total interest income
$2,430Total interest expense
$5,998Net interest income
$942Provision for loan and lease losses
$703Total noninterest income
$0Fiduciary activities
$669Service charges on deposit accounts
$0Trading account gains & fees
$34Additional noninterest income
$5,612Total noninterest expense
$2,603Salaries and employee benefits
$687Premises and equipment expense
$2,322Additional noninterest expense
$147Pre-tax net operating income
$424Securities gains (losses)
$198Applicable income taxes
$373Income before extraordinary items
$0Extraordinary gains - net
$373Net income attributable to bank
$0Net charge-offs
$373Cash dividends
$573Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
1.48%Cost of funding earning assets
3.65%Net interest margin
0.43%Noninterest income to earning assets
3.42%Noninterest expense to earning assets
0.05%Net operating income to assets
0.21%Return on assets (ROA)
0.32%Pretax return on assets
2.55%Return on equity (ROE)
2.55%Retained earnings to average equity (YTD only)
0.55%Net charge-offs to loans
164.40%Credit loss provision to net charge-offs
1.90%Efficiency ratio
83,749Assets per employee
4.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.31%Loss allowance to noncurrent loans
54.61%Noncurrent assets plus other real estate owned to assets
6.84%Noncurrent loans to loans
4.23%Net loans and leases to deposits
71.67%Net loans and leases to core deposits
74.93%Equity capital to assets
8.61%Core capital (leverage) ratio
8.36%Tier 1 risk-based capital ratio
12.03%Total risk-based capital ratio
Memoranda
$13Average assets
$179,709Average earning assets
$14,613Average equity
$164,112Average loans

List of branches

4 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	56259	First Bank Of Dalton	118 North Hamilton Street, Dalton, GA 30721	January 08, 1996	Full Service Brick and Mortar
1	356817	Walnut Avenue Branch	3075 East Walnut Avenue, Dalton, GA 30721	January 12, 2000	Full Service Brick and Mortar
2	422895	Cleveland Highway Office Branch	2518 Cleveland Highway, Suite 15, Dalton, GA 30721	July 21, 2003	Limited Service Facility
3	452333	Shugart Road Office Branch	785 Shugart Road, Dalton, GA 30720	June 13, 2006	Full Service Brick and Mortar

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

First Bank of Dalton - 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 Dalton in Dalton, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Dalton - 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 Dalton in Dalton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches