FDIC Certificate #: 33506 Status: Active Federal Reserve ID: 1892154 Bank Holding Company (Regulatory Top Holder): Fnc Bancorp, Inc. (RSSDID: 3069633, Location: Douglas, GA) Date Established: September 23, 1991 WWW:http://www.fnbcc.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12428 FDIC's unique #: 47254 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: September 23, 1991 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: 420 South Madison Avenue, Douglas, GA 31533 County: Coffee 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): Douglas, GA (#20060) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $121.0 mil Equity capital: $17.2 mil Deposits held in domestic offices: $100.0 mil Return on assets (ROA): 1.30% ($1.6 mil) Quarterly return on assets: 1.51% ($1.8 mil) Return on Equity (ROE): 9.65% ($1.6 mil) Quarterly return on equity: 10.92% ($1.9 mil) Net income: $1.6 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.30% ($1,572.5 mil) Quarterly Pretax return on assets: 1.51% ($1,826.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
30Total employees (full-time equivalent)
$120,958Total assets
$8,021Cash and due from depository institutions
$540Interest-bearing balances
$25,216Securities
$1,300Federal funds sold & reverse repurchase agreements
$80,265Net loans & leases
$1,171Loan loss allowance
$0Trading account assets
$1,695Bank premises and fixed assets
$2,428Other real estate owned
$0Goodwill and other intangibles
$120,958Life insurance assets
$2,033All other assets
$103,743Total liabilities and capital
$100,037Total liabilities
$86,625Total deposits
$100,037Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$706Subordinated debt
$17,215All other liabilities
$17,215Total equity capital
$17,215Total bank equity capital
$0Perpetual preferred stock
$1,750Common stock
$9,294Surplus
$6,171Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,833Income earned, not collected on loans
$260Earning assets
$863Long-term assets (5+ years)
$107,321Average Assets, year-to-date
$26,113Average Assets, quarterly
$123,189Volatile liabilities
$124,042Insider loans
$78,237FHLB advances
$124,304Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,856Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,515Restructured Loans and leases
$3,048Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,930Total interest income
$1,294Total interest expense
$4,636Net interest income
$340Provision for loan and lease losses
$1,001Total noninterest income
$0Fiduciary activities
$719Service charges on deposit accounts
$0Trading account gains & fees
$282Additional noninterest income
$3,681Total noninterest expense
$1,731Salaries and employee benefits
$316Premises and equipment expense
$1,634Additional noninterest expense
$1,616Pre-tax net operating income
-$17Securities gains (losses)
$0Applicable income taxes
$1,599Income before extraordinary items
$0Extraordinary gains - net
$1,599Net income attributable to bank
$0Net charge-offs
$1,599Cash dividends
$1,650Sale, conversion, retirement of capital stock, net
$462Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.41%Yield on earning assets
1.18%Cost of funding earning assets
4.23%Net interest margin
0.91%Noninterest income to earning assets
3.36%Noninterest expense to earning assets
1.31%Net operating income to assets
1.30%Return on assets (ROA)
1.30%Pretax return on assets
9.65%Return on equity (ROE)
6.86%Retained earnings to average equity (YTD only)
1.99%Net charge-offs to loans
20.61%Credit loss provision to net charge-offs
1.19%Efficiency ratio
65,301Assets per employee
4.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.89%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
63.88%Noncurrent assets plus other real estate owned to assets
3.52%Noncurrent loans to loans
2.25%Net loans and leases to deposits
80.24%Net loans and leases to core deposits
82.26%Equity capital to assets
14.23%Core capital (leverage) ratio
13.56%Tier 1 risk-based capital ratio
21.54%Total risk-based capital ratio
Memoranda
$23Average assets
$123,189Average earning assets
$16,568Average equity
$109,540Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
47254
First National Bank Of Coffee County
420 South Madison Avenue, Douglas, GA 31533
September 23, 1991
Full Service Brick and Mortar
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