FDIC Certificate #: 889 Status: Active Federal Reserve ID: 260831 Bank Holding Company (Regulatory Top Holder): Soperton Bancshares, Incorporated (RSSDID: 1250736, Location: Soperton, GA) Date Established: June 01, 1903 WWW:http://www.bankofsoperton.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 #: 567 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: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 10, 2011 Last Structure Change Process Date: June 21, 2011 Last Data Update: June 21, 2011 Data Source Date: April 05, 2012
Location
Address: 1202 Second Street North, Soperton, GA 30457 County: Treutlen Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Savannah Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $32.6 mil Equity capital: $2.6 mil Deposits held in domestic offices: $29.7 mil Return on assets (ROA): -2.81% (-$0.9 mil) Quarterly return on assets: -2.02% (-$0.7 mil) Return on Equity (ROE): -35.41% (-$1.1 mil) Quarterly return on equity: -27.14% (-$0.8 mil) Net income: -$1.0 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -2.81% (-$915.7 mil) Quarterly Pretax return on assets: -2.02% (-$658.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$32,588Total assets
$5,501Cash and due from depository institutions
$4,626Interest-bearing balances
$9,761Securities
$0Federal funds sold & reverse repurchase agreements
$14,633Net loans & leases
$367Loan loss allowance
$0Trading account assets
$1,270Bank premises and fixed assets
$781Other real estate owned
$0Goodwill and other intangibles
$32,588Life insurance assets
$642All other assets
$29,970Total liabilities and capital
$29,661Total liabilities
$20,682Total deposits
$29,661Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$309Subordinated debt
$2,618All other liabilities
$2,618Total equity capital
$2,618Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$5,766Surplus
$-3,348Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,464Income earned, not collected on loans
$0Earning assets
$233Long-term assets (5+ years)
$29,020Average Assets, year-to-date
$4,069Average Assets, quarterly
$35,184Volatile liabilities
$33,078Insider loans
$17,943FHLB advances
$33,816Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,870Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$60Restructured Loans and leases
$120Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,323Total interest income
$249Total interest expense
$1,074Net interest income
$976Provision for loan and lease losses
$717Total noninterest income
$0Fiduciary activities
$297Service charges on deposit accounts
$0Trading account gains & fees
$420Additional noninterest income
$1,805Total noninterest expense
$597Salaries and employee benefits
$175Premises and equipment expense
$1,033Additional noninterest expense
-$990Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$990Income before extraordinary items
$0Extraordinary gains - net
-$990Net income attributable to bank
$0Net charge-offs
-$990Cash dividends
$1,124Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.33%Yield on earning assets
0.81%Cost of funding earning assets
3.51%Net interest margin
2.34%Noninterest income to earning assets
5.90%Noninterest expense to earning assets
-2.81%Net operating income to assets
-2.81%Return on assets (ROA)
-2.81%Pretax return on assets
-35.41%Return on equity (ROE)
-35.41%Retained earnings to average equity (YTD only)
6.64%Net charge-offs to loans
86.83%Credit loss provision to net charge-offs
-0.01%Efficiency ratio
100,782Assets per employee
3.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.45%Loss allowance to noncurrent loans
25.07%Noncurrent assets plus other real estate owned to assets
6.89%Noncurrent loans to loans
9.76%Net loans and leases to deposits
49.33%Net loans and leases to core deposits
49.86%Equity capital to assets
8.03%Core capital (leverage) ratio
8.49%Tier 1 risk-based capital ratio
16.00%Total risk-based capital ratio
Memoranda
$17Average assets
$35,184Average earning assets
$2,796Average equity
$30,585Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
567
The Bank Of Soperton
1202 Second Street North, Soperton, GA 30457
June 01, 1903
Full Service Brick and Mortar
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