FDIC Certificate #: 16609 Status: Active Federal Reserve ID: 649632 Date Established: January 01, 1934 WWW:http://www.rochellestatebank.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) FDIC's unique #: 10751 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: August 01, 1947 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: Ashley Street And Second Avenue, Rochelle, GA 31079 County: Wilcox 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: $27.6 mil Equity capital: $4.1 mil Deposits held in domestic offices: $23.2 mil Return on assets (ROA): 0.81% ($0.2 mil) Quarterly return on assets: 0.33% ($0.1 mil) Return on Equity (ROE): 5.30% ($0.2 mil) Quarterly return on equity: 2.13% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.99% ($273.1 mil) Quarterly Pretax return on assets: 0.36% ($99.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$27,584Total assets
$2,997Cash and due from depository institutions
$0Interest-bearing balances
$11,945Securities
$4,100Federal funds sold & reverse repurchase agreements
$8,031Net loans & leases
$211Loan loss allowance
$0Trading account assets
$171Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$27,584Life insurance assets
$340All other assets
$23,468Total liabilities and capital
$23,201Total liabilities
$20,541Total deposits
$23,201Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$267Subordinated debt
$4,116All other liabilities
$4,116Total equity capital
$4,116Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$2,400Surplus
$716Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$566Income earned, not collected on loans
$0Earning assets
$257Long-term assets (5+ years)
$24,076Average Assets, year-to-date
$11,790Average Assets, quarterly
$25,583Volatile liabilities
$26,674Insider loans
$12,264FHLB advances
$26,106Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,759Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$686Restructured Loans and leases
$659Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,034Total interest income
$234Total interest expense
$800Net interest income
$12Provision for loan and lease losses
$150Total noninterest income
$0Fiduciary activities
$120Service charges on deposit accounts
$0Trading account gains & fees
$30Additional noninterest income
$820Total noninterest expense
$355Salaries and employee benefits
$67Premises and equipment expense
$398Additional noninterest expense
$118Pre-tax net operating income
$134Securities gains (losses)
$44Applicable income taxes
$208Income before extraordinary items
$0Extraordinary gains - net
$208Net income attributable to bank
$0Net charge-offs
$208Cash dividends
$13Sale, conversion, retirement of capital stock, net
$8Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.55%Yield on earning assets
1.03%Cost of funding earning assets
3.52%Net interest margin
0.66%Noninterest income to earning assets
3.61%Noninterest expense to earning assets
0.38%Net operating income to assets
0.81%Return on assets (ROA)
0.99%Pretax return on assets
5.30%Return on equity (ROE)
5.10%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
92.31%Credit loss provision to net charge-offs
10.00%Efficiency ratio
86,316Assets per employee
5.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
3.85%Loss allowance to loans
2.56%Loss allowance to noncurrent loans
37.28%Noncurrent assets plus other real estate owned to assets
2.05%Noncurrent loans to loans
6.87%Net loans and leases to deposits
34.61%Net loans and leases to core deposits
35.77%Equity capital to assets
14.92%Core capital (leverage) ratio
14.40%Tier 1 risk-based capital ratio
30.65%Total risk-based capital ratio
Memoranda
$32Average assets
$25,583Average earning assets
$3,925Average equity
$22,720Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10751
Rochelle State Bank
Ashley Street And Second Avenue, Rochelle, GA 31079
January 01, 1934
Full Service Brick and Mortar
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