FDIC Certificate #: 27544 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First Bank of Brunswick (#32988) Federal Reserve ID: 1404847 Date Established: July 10, 1989 WWW:http://www.fnbcamden.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) FDIC's unique #: 40324 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: July 10, 1989 Last Structure Change Effective Date: December 16, 2005 Last Structure Change Process Date: December 28, 2005 Last Data Update: December 28, 2005 Data Source Date: April 05, 2012
Location
Address: 2509 Osborne Road, Saint Marys, GA 31558 County: Camden 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): St. Marys, GA (#41220) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $171.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
54Total employees (full-time equivalent)
$173,001Total assets
$8,581Cash and due from depository institutions
$529Interest-bearing balances
$13,175Securities
$145Federal funds sold & reverse repurchase agreements
$141,456Net loans & leases
$3,043Loan loss allowance
$0Trading account assets
$2,905Bank premises and fixed assets
$1,335Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,404All other assets
$173,001Total liabilities and capital
$160,872Total liabilities
$150,698Total deposits
$136,780Interest-bearing deposits
$150,698Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$9,550Other borrowed funds
$0Subordinated debt
$624All other liabilities
$12,129Total equity capital
$12,129Total bank equity capital
$12,129Perpetual preferred stock
$0Common stock
$1,841Surplus
$6,354Undivided profits
Memoranda
$3,934Noncurrent loans and leases
$17,606Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,119Earning assets
$0Long-term assets (5+ years)
$924Average Assets, year-to-date
$155,305Average Assets, quarterly
$4,069Volatile liabilities
$156,364Insider loans
$169,402FHLB advances
$44,170Loans and leases held for sale
$3,879Unused loan commitments
$9,550Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$17,606Total unused commitments
$0Restructured Loans and leases
$1,765Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$11,551Total interest income
$3,260Total interest expense
$8,291Net interest income
$7,224Provision for loan and lease losses
$1,023Total noninterest income
$0Fiduciary activities
$394Service charges on deposit accounts
$0Trading account gains & fees
$629Additional noninterest income
$5,787Total noninterest expense
$2,700Salaries and employee benefits
$578Premises and equipment expense
$2,509Additional noninterest expense
-$3,697Pre-tax net operating income
-$26Securities gains (losses)
-$1,464Applicable income taxes
-$2,259Income before extraordinary items
$0Extraordinary gains - net
-$2,259Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$5,759Sale, conversion, retirement of capital stock, net
$1,073Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.10%Yield on earning assets
2.29%Cost of funding earning assets
5.81%Net interest margin
0.72%Noninterest income to earning assets
4.06%Noninterest expense to earning assets
-1.43%Net operating income to assets
-1.44%Return on assets (ROA)
-2.38%Pretax return on assets
-16.84%Return on equity (ROE)
-24.84%Retained earnings to average equity (YTD only)
4.37%Net charge-offs to loans
125.44%Credit loss provision to net charge-offs
0.61%Efficiency ratio
62,132Assets per employee
3.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
-47.50%Loss allowance to loans
2.11%Loss allowance to noncurrent loans
271.94%Noncurrent assets plus other real estate owned to assets
1.42%Noncurrent loans to loans
0.77%Net loans and leases to deposits
93.87%Net loans and leases to core deposits
130.88%Equity capital to assets
7.01%Core capital (leverage) ratio
6.82%Tier 1 risk-based capital ratio
8.28%Total risk-based capital ratio
Memoranda
$10Average assets
$156,364Average earning assets
$13,415Average equity
$142,651Average loans
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