First National Community Bank in city_name, state_name - Detailed Financial Reports, Location

First National Community Bank in Chatsworth, Georgia (GA)
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First National Community Bank routing number info

First National Community Bank - Overview

General
FDIC Certificate #: 22092
Status: Active
Federal Reserve ID: 450632
Bank Holding Company (Regulatory Top Holder): First Chatsworth Bankshares, Inc. (RSSDID: 1084481, Location: Chatsworth, GA)
Date Established: August 18, 1975
WWW: http://www.fnbcga.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: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 14099
FDIC's unique #: 15342
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 18, 1975
Last Structure Change Effective Date: June 16, 2011
Last Structure Change Process Date: July 15, 2011
Last Data Update: July 15, 2011
Data Source Date: April 05, 2012
Location
Address: 701 North 3rd Avenue, Chatsworth, GA 30705
County: Murray
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
Name Change
Financial Summary
Total assets: $127.7 mil
Equity capital: $8.9 mil
Deposits held in domestic offices: $116.4 mil
Return on assets (ROA): -4.70% (-$6.0 mil)
Quarterly return on assets: -10.75% (-$13.8 mil)
Return on Equity (ROE): -54.46% (-$4.9 mil)
Quarterly return on equity: -131.27% (-$11.8 mil)
Net income: -$6.1 mil
Quarterly Net income: -$3.5 mil
Pretax return on assets: -2.86% (-$3,652.8 mil)
Quarterly Pretax return on assets: -3.40% (-$4,342.4 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
56Total employees (full-time equivalent)
$127,719Total assets
$14,571Cash and due from depository institutions
$8,444Interest-bearing balances
$29,301Securities
$0Federal funds sold & reverse repurchase agreements
$70,621Net loans & leases
$2,347Loan loss allowance
$0Trading account assets
$2,939Bank premises and fixed assets
$6,764Other real estate owned
$0Goodwill and other intangibles
$127,719Life insurance assets
$3,523All other assets
$118,790Total liabilities and capital
$116,393Total liabilities
$96,141Total deposits
$116,393Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$397Subordinated debt
$8,929All other liabilities
$8,929Total equity capital
$8,929Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$11,920Surplus
$-3,491Undivided profits
Memoranda
$0Noncurrent loans and leases
$272Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,391Income earned, not collected on loans
$0Earning assets
$467Long-term assets (5+ years)
$108,366Average Assets, year-to-date
$21,598Average Assets, quarterly
$130,883Volatile liabilities
$130,497Insider loans
$80,147FHLB advances
$130,728Loans and leases held for sale
$1,738Unused loan commitments
$1,738Tier 1 (core) risk-based capital
$8,876Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,288Restructured Loans and leases
$1,111Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,640Total interest income
$921Total interest expense
$4,719Net interest income
$1,150Provision for loan and lease losses
-$1,459Total noninterest income
$0Fiduciary activities
$832Service charges on deposit accounts
$0Trading account gains & fees
-$2,291Additional noninterest income
$5,862Total noninterest expense
$2,681Salaries and employee benefits
$855Premises and equipment expense
$2,326Additional noninterest expense
-$3,752Pre-tax net operating income
$7Securities gains (losses)
$2,400Applicable income taxes
-$6,145Income before extraordinary items
$0Extraordinary gains - net
-$6,145Net income attributable to bank
$0Net charge-offs
-$6,145Cash dividends
$1,427Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.15%Yield on earning assets
0.84%Cost of funding earning assets
4.31%Net interest margin
-1.33%Noninterest income to earning assets
5.35%Noninterest expense to earning assets
-4.70%Net operating income to assets
-4.70%Return on assets (ROA)
-2.86%Pretax return on assets
-54.46%Return on equity (ROE)
-54.46%Retained earnings to average equity (YTD only)
1.88%Net charge-offs to loans
80.59%Credit loss provision to net charge-offs
-1.82%Efficiency ratio
179,816Assets per employee
2.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.22%Loss allowance to noncurrent loans
31.75%Noncurrent assets plus other real estate owned to assets
11.08%Noncurrent loans to loans
10.13%Net loans and leases to deposits
60.67%Net loans and leases to core deposits
62.33%Equity capital to assets
6.99%Core capital (leverage) ratio
6.79%Tier 1 risk-based capital ratio
11.07%Total risk-based capital ratio
Memoranda
$12Average assets
$130,883Average earning assets
$11,283Average equity
$109,534Average loans

List of branches

5 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	15342	First National Community Bank	701 North 3rd Avenue, Chatsworth, GA 30705	August 18, 1975	Full Service Brick and Mortar
1	254062	The Eton Branch	U.S. 411 And State 286, Eton, GA 30724	August 18, 1977	Limited Service Facility
2	254063	Highway 76 Branch	1162 Highway 76, Chatsworth, GA 30705	August 01, 1986	Limited Service Facility
3	254064	Dalton Office	362 Northgate Drive, Dalton, GA 30721	August 18, 1997	Full Service Retail
4	254065	Tunnel Hill Branch	3628 Chattanooga Road, Tunnel Hill, GA 30755	July 06, 1999	Full Service Brick and Mortar

First National Community Bank in Chatsworth, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Community Bank - 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 National Community Bank in Chatsworth, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Community Bank - 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 National Community Bank in Chatsworth, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches