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

  • Bank of Camilla in Camilla, Georgia (GA)
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Bank of Camilla - Overview

  • General
  • FDIC Certificate #: 17190
    Status: Active
    Federal Reserve ID: 124830
    Bank Holding Company (Regulatory Top Holder): Camilla Bancshares, Inc. (RSSDID: 2087939, Location: Camilla, GA)
    Date Established: January 01, 1890
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11925
    FDIC's unique #: 11221
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 06, 1953
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 50 East Broad Street, Camilla, GA 31730
    County: Mitchell
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $105.5 mil
    Equity capital: $13.0 mil
    Deposits held in domestic offices: $89.1 mil
    Return on assets (ROA): 0.84% ($0.9 mil)
    Quarterly return on assets: 0.96% ($1.0 mil)
    Return on Equity (ROE): 7.33% ($1.0 mil)
    Quarterly return on equity: 7.98% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.71% ($748.8 mil)
    Quarterly Pretax return on assets: 0.95% ($1,001.9 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
  • 32Total employees (full-time equivalent)
  • $105,463Total assets
  • $5,571Cash and due from depository institutions
  • $4,103Interest-bearing balances
  • $18,687Securities
  • $15,985Federal funds sold & reverse repurchase agreements
  • $57,812Net loans & leases
  • $1,865Loan loss allowance
  • $0Trading account assets
  • $911Bank premises and fixed assets
  • $1,248Other real estate owned
  • $48Goodwill and other intangibles
  • $105,463Life insurance assets
  • $5,201All other assets
  • $92,494Total liabilities and capital
  • $89,141Total liabilities
  • $73,001Total deposits
  • $89,141Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,564Trading liabilities
  • $0Other borrowed funds
  • $789Subordinated debt
  • $12,969All other liabilities
  • $12,969Total equity capital
  • $12,969Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $5,200Surplus
  • $7,569Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,681Income earned, not collected on loans
  • $0Earning assets
  • $917Long-term assets (5+ years)
  • $96,587Average Assets, year-to-date
  • $22,471Average Assets, quarterly
  • $108,197Volatile liabilities
  • $107,159Insider loans
  • $72,816FHLB advances
  • $108,698Loans and leases held for sale
  • $2,447Unused loan commitments
  • $76Tier 1 (core) risk-based capital
  • $12,544Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,371Total unused commitments
  • $8,786Restructured Loans and leases
  • $3,292Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,111Total interest income
  • $1,260Total interest expense
  • $3,851Net interest income
  • $1,165Provision for loan and lease losses
  • $2,205Total noninterest income
  • $0Fiduciary activities
  • $562Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,643Additional noninterest income
  • $4,323Total noninterest expense
  • $1,908Salaries and employee benefits
  • $417Premises and equipment expense
  • $1,998Additional noninterest expense
  • $568Pre-tax net operating income
  • $203Securities gains (losses)
  • -$137Applicable income taxes
  • $908Income before extraordinary items
  • $0Extraordinary gains - net
  • $908Net income attributable to bank
  • $0Net charge-offs
  • $908Cash dividends
  • $1,484Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.94%Net interest margin
  • 2.25%Noninterest income to earning assets
  • 4.42%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 7.33%Return on equity (ROE)
  • 7.33%Retained earnings to average equity (YTD only)
  • 2.08%Net charge-offs to loans
  • 78.50%Credit loss provision to net charge-offs
  • 1.17%Efficiency ratio
  • 71,186Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.13%Loss allowance to noncurrent loans
  • 21.48%Noncurrent assets plus other real estate owned to assets
  • 9.41%Noncurrent loans to loans
  • 14.55%Net loans and leases to deposits
  • 64.85%Net loans and leases to core deposits
  • 84.18%Equity capital to assets
  • 12.30%Core capital (leverage) ratio
  • 11.54%Tier 1 risk-based capital ratio
  • 17.23%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $108,197Average earning assets
  • $12,383Average equity
  • $97,822Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011221Bank Of Camilla50 East Broad Street, Camilla, GA 31730January 01, 1890Full Service Brick and Mortar
    1359550Pelham Branch127 West Railroad Street, Pelham, GA 31779January 02, 2001Full Service Brick and Mortar

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