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

Bank of Alapaha - Overview

  • General
  • FDIC Certificate #: 155
    Status: Active
    Federal Reserve ID: 986935
    Bank Holding Company (Regulatory Top Holder): Alapaha Holding Company (RSSDID: 3194076, Location: Alapaha, GA)
    Date Established: March 25, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14550
    FDIC's unique #: 121
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 24, 2009
    Last Structure Change Process Date: March 26, 2009
    Last Data Update: March 26, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 245 Ne Railroad St., Alapaha, GA 31622
    County: Berrien
    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
  • Corrections
  • Financial Summary
  • Total assets: $120.5 mil
    Equity capital: $12.8 mil
    Deposits held in domestic offices: $107.1 mil
    Return on assets (ROA): 0.66% ($0.8 mil)
    Quarterly return on assets: 0.35% ($0.4 mil)
    Return on Equity (ROE): 6.04% ($0.8 mil)
    Quarterly return on equity: 3.19% ($0.4 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.96% ($1,157.0 mil)
    Quarterly Pretax return on assets: 0.28% ($337.5 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
  • 30Total employees (full-time equivalent)
  • $120,524Total assets
  • $29,973Cash and due from depository institutions
  • $250Interest-bearing balances
  • $21,837Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,686Net loans & leases
  • $1,186Loan loss allowance
  • $0Trading account assets
  • $1,224Bank premises and fixed assets
  • $446Other real estate owned
  • $0Goodwill and other intangibles
  • $120,524Life insurance assets
  • $1,358All other assets
  • $107,698Total liabilities and capital
  • $107,123Total liabilities
  • $84,640Total deposits
  • $107,123Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $575Subordinated debt
  • $12,826All other liabilities
  • $12,826Total equity capital
  • $12,826Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $2,600Surplus
  • $9,826Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,404Income earned, not collected on loans
  • $0Earning assets
  • $914Long-term assets (5+ years)
  • $87,773Average Assets, year-to-date
  • $33,611Average Assets, quarterly
  • $116,168Volatile liabilities
  • $118,757Insider loans
  • $105,670FHLB advances
  • $118,778Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,684Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,399Restructured Loans and leases
  • $4,949Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,172Total interest income
  • $1,376Total interest expense
  • $3,796Net interest income
  • $745Provision for loan and lease losses
  • $694Total noninterest income
  • $0Fiduciary activities
  • $567Service charges on deposit accounts
  • $0Trading account gains & fees
  • $127Additional noninterest income
  • $2,627Total noninterest expense
  • $1,329Salaries and employee benefits
  • $313Premises and equipment expense
  • $985Additional noninterest expense
  • $1,118Pre-tax net operating income
  • $0Securities gains (losses)
  • $349Applicable income taxes
  • $769Income before extraordinary items
  • $0Extraordinary gains - net
  • $769Net income attributable to bank
  • $0Net charge-offs
  • $769Cash dividends
  • $692Sale, conversion, retirement of capital stock, net
  • $435Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.81%Yield on earning assets
  • 1.55%Cost of funding earning assets
  • 4.26%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 6.04%Return on equity (ROE)
  • 2.62%Retained earnings to average equity (YTD only)
  • 1.01%Net charge-offs to loans
  • 107.66%Credit loss provision to net charge-offs
  • 2.69%Efficiency ratio
  • 58,508Assets per employee
  • 4.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.57%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 84.47%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 2.10%Net loans and leases to deposits
  • 61.32%Net loans and leases to core deposits
  • 62.34%Equity capital to assets
  • 10.64%Core capital (leverage) ratio
  • 10.68%Tier 1 risk-based capital ratio
  • 12.00%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $116,168Average earning assets
  • $12,731Average equity
  • $89,049Average loans

List of branches

  • 4 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0121Bank Of Alapaha245 Ne Railroad St., Alapaha, GA 31622March 25, 1905Full Service Brick and Mortar
    1181250Enigma Branch615 Main Street, Enigma, GA 31749March 01, 1973Full Service Brick and Mortar
    2181251Nashville Branch201 W. Marion Ave., Nashville, GA 31639October 20, 1976Full Service Brick and Mortar
    3365159Cook Community Bank Branch206 East Fourth Street, Adel, GA 31620April 29, 2002Full Service Brick and Mortar

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