Bainbridge National Bank in Bainbridge, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 31, 1998

  • Bainbridge National Bank in Bainbridge, Georgia (GA)
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Bainbridge National Bank - Overview

  • General
  • FDIC Certificate #: 33365
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Community Bank of Southwest Georgia (#29334)
    Federal Reserve ID: 261735
    Date Established: April 01, 1991
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 9997
    FDIC's unique #: 46944
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: April 01, 1991
    Last Structure Change Effective Date: August 31, 1998
    Last Structure Change Process Date: October 29, 1998
    Last Data Update: October 29, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 226 South Broad Street, Bainbridge, GA 31717
    County: Decatur
    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
    Core Based Statistical Area (CBSA): Bainbridge, GA (#12460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $79.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 28Total employees (full-time equivalent)
  • $76,904Total assets
  • $4,205Cash and due from depository institutions
  • $200Interest-bearing balances
  • $19,676Securities
  • $2,848Federal funds sold & reverse repurchase agreements
  • $46,495Net loans & leases
  • $671Loan loss allowance
  • $0Trading account assets
  • $1,720Bank premises and fixed assets
  • $0Other real estate owned
  • $912Goodwill and other intangibles
  • $0Life insurance assets
  • $1,048All other assets
  • $76,904Total liabilities and capital
  • $66,242Total liabilities
  • $64,862Total deposits
  • $53,025Interest-bearing deposits
  • $64,862Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,000Other borrowed funds
  • $0Subordinated debt
  • $380All other liabilities
  • $10,662Total equity capital
  • $10,662Total bank equity capital
  • $10,662Perpetual preferred stock
  • $0Common stock
  • $3,750Surplus
  • $3,750Undivided profits
  • Memoranda
  • $3,162Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $113Earning assets
  • $54Long-term assets (5+ years)
  • $643Average Assets, year-to-date
  • $69,219Average Assets, quarterly
  • $7,829Volatile liabilities
  • $76,053Insider loans
  • $76,632FHLB advances
  • $8,153Loans and leases held for sale
  • $3,083Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,320Total unused commitments
  • $0Restructured Loans and leases
  • $49,989Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $6,017Total interest income
  • $2,478Total interest expense
  • $3,539Net interest income
  • $144Provision for loan and lease losses
  • $658Total noninterest income
  • $0Fiduciary activities
  • $511Service charges on deposit accounts
  • $0Trading account gains & fees
  • $147Additional noninterest income
  • $2,031Total noninterest expense
  • $957Salaries and employee benefits
  • $368Premises and equipment expense
  • $706Additional noninterest expense
  • $2,022Pre-tax net operating income
  • -$2Securities gains (losses)
  • $720Applicable income taxes
  • $1,300Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,300Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $87Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.76%Yield on earning assets
  • 3.61%Cost of funding earning assets
  • 5.15%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 1.71%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 2.66%Pretax return on assets
  • 12.95%Return on equity (ROE)
  • 9.96%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 165.52%Credit loss provision to net charge-offs
  • 24.90%Efficiency ratio
  • 42,459Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.08%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 593.81%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 71.68%Net loans and leases to core deposits
  • 81.99%Equity capital to assets
  • 13.86%Core capital (leverage) ratio
  • 12.97%Tier 1 risk-based capital ratio
  • 19.52%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $76,053Average earning assets
  • $10,039Average equity
  • $68,709Average loans

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