FDIC Certificate #: 15904 Status: Active Federal Reserve ID: 7634 Bank Holding Company (Regulatory Top Holder): Four County Bancshares, Inc. (RSSDID: 1416457, Location: Allentown, GA) Date Established: September 15, 1941 WWW:http://www.thefourcountybank.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 #: 10136 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: July 13, 1942 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: June 17, 2010 Last Data Update: June 17, 2010 Data Source Date: April 05, 2012
Location
Address: 959 Main Street, Allentown, GA 31003 County: Wilkinson 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
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Change in Location
Financial Summary
Total assets: $62.1 mil Equity capital: $5.4 mil Deposits held in domestic offices: $54.6 mil Return on assets (ROA): -0.42% (-$0.3 mil) Quarterly return on assets: -0.86% (-$0.5 mil) Return on Equity (ROE): -6.07% (-$0.3 mil) Quarterly return on equity: -9.86% (-$0.5 mil) Net income: -$0.3 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.42% (-$260.8 mil) Quarterly Pretax return on assets: -0.86% (-$534.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$62,101Total assets
$9,435Cash and due from depository institutions
$8,812Interest-bearing balances
$6,026Securities
$0Federal funds sold & reverse repurchase agreements
$42,887Net loans & leases
$1,185Loan loss allowance
$0Trading account assets
$593Bank premises and fixed assets
$2,403Other real estate owned
$0Goodwill and other intangibles
$62,101Life insurance assets
$757All other assets
$56,732Total liabilities and capital
$54,638Total liabilities
$48,767Total deposits
$54,638Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$94Subordinated debt
$5,369All other liabilities
$5,369Total equity capital
$5,369Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$8,060Surplus
$-2,891Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,046Income earned, not collected on loans
$0Earning assets
$287Long-term assets (5+ years)
$57,725Average Assets, year-to-date
$4,264Average Assets, quarterly
$65,532Volatile liabilities
$62,580Insider loans
$42,374FHLB advances
$61,559Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,295Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$511Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,058Total interest income
$805Total interest expense
$2,253Net interest income
$860Provision for loan and lease losses
$115Total noninterest income
$0Fiduciary activities
$160Service charges on deposit accounts
$0Trading account gains & fees
-$45Additional noninterest income
$1,793Total noninterest expense
$669Salaries and employee benefits
$163Premises and equipment expense
$961Additional noninterest expense
-$285Pre-tax net operating income
$8Securities gains (losses)
$0Applicable income taxes
-$277Income before extraordinary items
$0Extraordinary gains - net
-$277Net income attributable to bank
$0Net charge-offs
-$277Cash dividends
$832Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.16%Yield on earning assets
1.36%Cost of funding earning assets
3.81%Net interest margin
0.19%Noninterest income to earning assets
3.03%Noninterest expense to earning assets
-0.43%Net operating income to assets
-0.42%Return on assets (ROA)
-0.42%Pretax return on assets
-6.07%Return on equity (ROE)
-6.07%Retained earnings to average equity (YTD only)
1.77%Net charge-offs to loans
103.37%Credit loss provision to net charge-offs
0.69%Efficiency ratio
75,718Assets per employee
4.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.69%Loss allowance to noncurrent loans
57.92%Noncurrent assets plus other real estate owned to assets
7.16%Noncurrent loans to loans
4.64%Net loans and leases to deposits
78.49%Net loans and leases to core deposits
81.56%Equity capital to assets
8.65%Core capital (leverage) ratio
8.60%Tier 1 risk-based capital ratio
12.50%Total risk-based capital ratio
Memoranda
$14Average assets
$65,532Average earning assets
$4,564Average equity
$59,209Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10136
The Four County Bank
959 Main Street, Allentown, GA 31003
September 15, 1941
Full Service Brick and Mortar
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