Bank of Alapaha in city_name, state_name - Detailed Financial Reports, Location

Bank of Alapaha in Alapaha, Georgia (GA)
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Bank of Alapaha routing number info

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

No	ID	Name	Address	Established	Service Type
0	121	Bank Of Alapaha	245 Ne Railroad St., Alapaha, GA 31622	March 25, 1905	Full Service Brick and Mortar
1	181250	Enigma Branch	615 Main Street, Enigma, GA 31749	March 01, 1973	Full Service Brick and Mortar
2	181251	Nashville Branch	201 W. Marion Ave., Nashville, GA 31639	October 20, 1976	Full Service Brick and Mortar
3	365159	Cook Community Bank Branch	206 East Fourth Street, Adel, GA 31620	April 29, 2002	Full Service Brick and Mortar

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

Bank of Alapaha - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Bank of Alapaha - 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:

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