State Bank of Cochran in city_name, state_name - Detailed Financial Reports, Location

State Bank of Cochran in Cochran, Georgia (GA)
Show street view No street view available for this location

State Bank of Cochran routing number info

State Bank of Cochran - Overview

General
FDIC Certificate #: 872
Status: Active
Federal Reserve ID: 333034
Bank Holding Company (Regulatory Top Holder): Central Georgia Banking Company (RSSDID: 3184125, Location: Cochran, GA)
Date Established: January 05, 1922
WWW: http://www.cbjc.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 555
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 30, 2009
Last Structure Change Process Date: August 03, 2009
Last Data Update: August 03, 2009
Data Source Date: April 05, 2012
Location
Address: 112 E Beech Street, Cochran, GA 31014
County: Bleckley
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
Change in Location
Financial Summary
Total assets: $220.4 mil
Equity capital: $23.8 mil
Deposits held in domestic offices: $195.9 mil
Return on assets (ROA): 0.47% ($1.0 mil)
Quarterly return on assets: 0.66% ($1.5 mil)
Return on Equity (ROE): 4.47% ($1.1 mil)
Quarterly return on equity: 6.10% ($1.5 mil)
Net income: $1.0 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.47% ($1,035.7 mil)
Quarterly Pretax return on assets: 0.66% ($1,454.4 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
52Total employees (full-time equivalent)
$220,365Total assets
$32,948Cash and due from depository institutions
$26,407Interest-bearing balances
$24,760Securities
$0Federal funds sold & reverse repurchase agreements
$154,048Net loans & leases
$4,345Loan loss allowance
$0Trading account assets
$1,308Bank premises and fixed assets
$3,491Other real estate owned
$0Goodwill and other intangibles
$220,365Life insurance assets
$3,810All other assets
$196,579Total liabilities and capital
$195,873Total liabilities
$153,781Total deposits
$195,873Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$706Subordinated debt
$23,786All other liabilities
$23,786Total equity capital
$23,786Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$7,000Surplus
$15,786Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,774Income earned, not collected on loans
$0Earning assets
$1,260Long-term assets (5+ years)
$205,215Average Assets, year-to-date
$9,949Average Assets, quarterly
$220,394Volatile liabilities
$218,345Insider loans
$142,759FHLB advances
$219,196Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$23,808Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,956Restructured Loans and leases
$349Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,216Total interest income
$1,882Total interest expense
$9,334Net interest income
$2,695Provision for loan and lease losses
$18Total noninterest income
$0Fiduciary activities
$762Service charges on deposit accounts
$0Trading account gains & fees
-$744Additional noninterest income
$5,612Total noninterest expense
$2,617Salaries and employee benefits
$487Premises and equipment expense
$2,508Additional noninterest expense
$1,045Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,045Income before extraordinary items
$0Extraordinary gains - net
$1,045Net income attributable to bank
$0Net charge-offs
$1,045Cash dividends
$3,991Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.46%Yield on earning assets
0.92%Cost of funding earning assets
4.55%Net interest margin
0.01%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.47%Net operating income to assets
0.47%Return on assets (ROA)
0.47%Pretax return on assets
4.47%Return on equity (ROE)
4.47%Retained earnings to average equity (YTD only)
2.51%Net charge-offs to loans
67.53%Credit loss provision to net charge-offs
0.94%Efficiency ratio
60,009Assets per employee
4.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.74%Loss allowance to noncurrent loans
115.13%Noncurrent assets plus other real estate owned to assets
3.30%Noncurrent loans to loans
2.38%Net loans and leases to deposits
78.65%Net loans and leases to core deposits
80.31%Equity capital to assets
10.79%Core capital (leverage) ratio
10.86%Tier 1 risk-based capital ratio
16.68%Total risk-based capital ratio
Memoranda
$18Average assets
$220,394Average earning assets
$23,390Average equity
$205,361Average loans

List of branches

4 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	555	State Bank Of Cochran	112 E Beech Street, Cochran, GA 31014	January 05, 1922	Full Service Brick and Mortar
1	3882	Wrightsville Branch	2498 W Elm Street, Wrightsville, GA 31096	December 20, 1909	Full Service Brick and Mortar
2	249237	Dublin Branch	2040 Veterans Boulevard, Dublin, GA 31021	Febuary 15, 1990	Full Service Brick and Mortar
3	359600	Dexter Branch	109 East Main Street, Dexter, GA 31019	Febuary 26, 2001	Full Service Brick and Mortar

State Bank of Cochran in Cochran, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Cochran - 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:

State Bank of Cochran in Cochran, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Cochran - 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:

State Bank of Cochran in Cochran, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches