FDIC Certificate #: 10072 Status: Active Federal Reserve ID: 132938 Bank Holding Company (Regulatory Top Holder): P & C Bank Shares, Inc. (RSSDID: 1081529, Location: Camilla, GA) Date Established: May 24, 1913 WWW:http://www.pcbankonline.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14305 FDIC's unique #: 6440 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 21 North Harney Street, Camilla, GA 31730 County: Mitchell 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $95.4 mil Equity capital: $10.3 mil Deposits held in domestic offices: $84.6 mil Return on assets (ROA): 0.66% ($0.6 mil) Quarterly return on assets: 0.86% ($0.8 mil) Return on Equity (ROE): 5.96% ($0.6 mil) Quarterly return on equity: 7.70% ($0.8 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.68% ($648.7 mil) Quarterly Pretax return on assets: 0.75% ($715.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$95,396Total assets
$40,423Cash and due from depository institutions
$31,025Interest-bearing balances
$19,963Securities
$0Federal funds sold & reverse repurchase agreements
$31,494Net loans & leases
$968Loan loss allowance
$0Trading account assets
$1,325Bank premises and fixed assets
$382Other real estate owned
$0Goodwill and other intangibles
$95,395Life insurance assets
$1,809All other assets
$85,074Total liabilities and capital
$84,623Total liabilities
$54,214Total deposits
$84,623Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$451Subordinated debt
$10,321All other liabilities
$10,321Total equity capital
$10,321Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$5,750Surplus
$4,321Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$63Income earned, not collected on loans
$34Earning assets
$636Long-term assets (5+ years)
$82,482Average Assets, year-to-date
$9,791Average Assets, quarterly
$91,103Volatile liabilities
$91,959Insider loans
$47,499FHLB advances
$93,923Loans and leases held for sale
$147Unused loan commitments
$147Tier 1 (core) risk-based capital
$10,174Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,484Restructured Loans and leases
$800Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,338Total interest income
$634Total interest expense
$2,704Net interest income
$90Provision for loan and lease losses
$613Total noninterest income
$0Fiduciary activities
$358Service charges on deposit accounts
$0Trading account gains & fees
$255Additional noninterest income
$2,613Total noninterest expense
$1,429Salaries and employee benefits
$267Premises and equipment expense
$917Additional noninterest expense
$614Pre-tax net operating income
$3Securities gains (losses)
$18Applicable income taxes
$599Income before extraordinary items
$0Extraordinary gains - net
$599Net income attributable to bank
$0Net charge-offs
$599Cash dividends
$15Sale, conversion, retirement of capital stock, net
$298Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.35%Yield on earning assets
0.83%Cost of funding earning assets
3.52%Net interest margin
0.80%Noninterest income to earning assets
3.40%Noninterest expense to earning assets
0.65%Net operating income to assets
0.66%Return on assets (ROA)
0.68%Pretax return on assets
5.96%Return on equity (ROE)
2.99%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
600.00%Credit loss provision to net charge-offs
46.93%Efficiency ratio
78,776Assets per employee
4.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.75%Loss allowance to loans
2.98%Loss allowance to noncurrent loans
1536.51%Noncurrent assets plus other real estate owned to assets
0.47%Noncurrent loans to loans
0.19%Net loans and leases to deposits
37.22%Net loans and leases to core deposits
39.49%Equity capital to assets
10.82%Core capital (leverage) ratio
10.83%Tier 1 risk-based capital ratio
21.42%Total risk-based capital ratio
Memoranda
$23Average assets
$91,103Average earning assets
$10,056Average equity
$76,765Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6440
Planters And Citizens Bank
21 North Harney Street, Camilla, GA 31730
May 24, 1913
Full Service Brick and Mortar
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