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

Bank of Dade - Overview

  • General
  • FDIC Certificate #: 17543
    Status: Active
    Federal Reserve ID: 441630
    Bank Holding Company (Regulatory Top Holder): Tri-States Bankshares, Inc. (RSSDID: 1082898, Location: Trenton, GA)
    Date Established: January 12, 1956
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11518
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 12, 1956
    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: 12634 North Main Street, Trenton, GA 30752
    County: Dade
    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: $94.6 mil
    Equity capital: $10.7 mil
    Deposits held in domestic offices: $83.7 mil
    Return on assets (ROA): 1.04% ($1.0 mil)
    Quarterly return on assets: 0.58% ($0.6 mil)
    Return on Equity (ROE): 9.88% ($1.1 mil)
    Quarterly return on equity: 5.15% ($0.6 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.04% ($983.6 mil)
    Quarterly Pretax return on assets: 0.58% ($548.5 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
  • 31Total employees (full-time equivalent)
  • $94,573Total assets
  • $2,524Cash and due from depository institutions
  • $16Interest-bearing balances
  • $44,647Securities
  • $2,975Federal funds sold & reverse repurchase agreements
  • $41,507Net loans & leases
  • $719Loan loss allowance
  • $0Trading account assets
  • $728Bank premises and fixed assets
  • $1,214Other real estate owned
  • $0Goodwill and other intangibles
  • $94,573Life insurance assets
  • $978All other assets
  • $83,886Total liabilities and capital
  • $83,658Total liabilities
  • $69,391Total deposits
  • $83,658Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $228Subordinated debt
  • $10,687All other liabilities
  • $10,687Total equity capital
  • $10,687Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $3,750Surplus
  • $6,687Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,188Income earned, not collected on loans
  • $0Earning assets
  • $614Long-term assets (5+ years)
  • $89,145Average Assets, year-to-date
  • $38,954Average Assets, quarterly
  • $95,289Volatile liabilities
  • $95,846Insider loans
  • $41,408FHLB advances
  • $93,844Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,842Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,078Restructured Loans and leases
  • $1,152Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,304Total interest income
  • $557Total interest expense
  • $3,747Net interest income
  • $1,143Provision for loan and lease losses
  • $595Total noninterest income
  • $0Fiduciary activities
  • $320Service charges on deposit accounts
  • $0Trading account gains & fees
  • $275Additional noninterest income
  • $2,592Total noninterest expense
  • $1,477Salaries and employee benefits
  • $270Premises and equipment expense
  • $845Additional noninterest expense
  • $607Pre-tax net operating income
  • $385Securities gains (losses)
  • $0Applicable income taxes
  • $992Income before extraordinary items
  • $0Extraordinary gains - net
  • $992Net income attributable to bank
  • $0Net charge-offs
  • $992Cash dividends
  • $1,279Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 9.88%Return on equity (ROE)
  • 9.88%Retained earnings to average equity (YTD only)
  • 2.85%Net charge-offs to loans
  • 89.37%Credit loss provision to net charge-offs
  • 1.37%Efficiency ratio
  • 59,696Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 60.52%Noncurrent assets plus other real estate owned to assets
  • 2.54%Noncurrent loans to loans
  • 2.81%Net loans and leases to deposits
  • 49.62%Net loans and leases to core deposits
  • 50.99%Equity capital to assets
  • 11.30%Core capital (leverage) ratio
  • 10.49%Tier 1 risk-based capital ratio
  • 23.77%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $95,289Average earning assets
  • $10,038Average equity
  • $90,350Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011518Bank Of Dade12634 North Main Street, Trenton, GA 30752January 12, 1956Full Service Brick and Mortar
    1242084Drive-In Facility12660 North Main Street, Trenton, GA 30752November 14, 1977Limited Service Facility
    2242085Drive-In Branch4995 Hwy 136 West, Trenton, GA 30752November 15, 1991Limited Service Facility

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