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

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

  • General
  • FDIC Certificate #: 5713
    Status: Active
    Federal Reserve ID: 512839
    Bank Holding Company (Regulatory Top Holder): Southcrest Financial Group, Inc. (RSSDID: 2497202, Location: Peachtree City, GA)
    Date Established: May 10, 1910
    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 #: 13324
    FDIC's unique #: 3894
    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 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Gordon Street, Chickamauga, GA 30707
    County: Walker
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Chattanooga, TN-GA (#1560)
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.6 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $46.5 mil
    Return on assets (ROA): 0.21% ($0.1 mil)
    Quarterly return on assets: -0.22% (-$0.1 mil)
    Return on Equity (ROE): 2.07% ($0.1 mil)
    Quarterly return on equity: -2.06% (-$0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.21% ($110.5 mil)
    Quarterly Pretax return on assets: -0.22% (-$115.7 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
  • 22Total employees (full-time equivalent)
  • $52,607Total assets
  • $8,258Cash and due from depository institutions
  • $5,130Interest-bearing balances
  • $13,691Securities
  • $2,500Federal funds sold & reverse repurchase agreements
  • $21,538Net loans & leases
  • $774Loan loss allowance
  • $0Trading account assets
  • $2,116Bank premises and fixed assets
  • $0Other real estate owned
  • $56Goodwill and other intangibles
  • $52,607Life insurance assets
  • $4,448All other assets
  • $47,015Total liabilities and capital
  • $46,478Total liabilities
  • $38,486Total deposits
  • $46,478Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $537Subordinated debt
  • $5,592All other liabilities
  • $5,592Total equity capital
  • $5,592Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $11,550Surplus
  • $-6,158Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $934Income earned, not collected on loans
  • $0Earning assets
  • $172Long-term assets (5+ years)
  • $42,859Average Assets, year-to-date
  • $12,195Average Assets, quarterly
  • $55,043Volatile liabilities
  • $52,658Insider loans
  • $25,413FHLB advances
  • $52,171Loans and leases held for sale
  • $3,764Unused loan commitments
  • $3,764Tier 1 (core) risk-based capital
  • $5,205Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $83Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,089Total interest income
  • $531Total interest expense
  • $1,558Net interest income
  • $23Provision for loan and lease losses
  • $538Total noninterest income
  • $0Fiduciary activities
  • $480Service charges on deposit accounts
  • $0Trading account gains & fees
  • $58Additional noninterest income
  • $2,077Total noninterest expense
  • $864Salaries and employee benefits
  • $235Premises and equipment expense
  • $978Additional noninterest expense
  • -$4Pre-tax net operating income
  • $120Securities gains (losses)
  • $0Applicable income taxes
  • $116Income before extraordinary items
  • $0Extraordinary gains - net
  • $116Net income attributable to bank
  • $0Net charge-offs
  • $116Cash dividends
  • $281Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.62%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 4.83%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 2.07%Return on equity (ROE)
  • 2.07%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 8.19%Credit loss provision to net charge-offs
  • 0.07%Efficiency ratio
  • 98,569Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.47%Loss allowance to noncurrent loans
  • 82.87%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 4.19%Net loans and leases to deposits
  • 46.34%Net loans and leases to core deposits
  • 47.73%Equity capital to assets
  • 10.63%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 20.48%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $55,043Average earning assets
  • $5,602Average equity
  • $42,995Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03894Bank Of Chickamauga201 Gordon Street, Chickamauga, GA 30707May 10, 1910Full Service Brick and Mortar
    1208057Highway 27 Branch112 Lafayette Road, Chickamauga, GA 30707August 08, 1974Full Service Brick and Mortar

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