Bank of Dade in Trenton, Georgia (GA)

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Bank of Dade
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)31
Total assets$94,573
Cash and due from depository institutions$2,524
Interest-bearing balances$16
Federal funds sold & reverse repurchase agreements$2,975
Net loans & leases$41,507
Loan loss allowance $719
Trading account assets$0
Bank premises and fixed assets$728
Other real estate owned$1,214
Goodwill and other intangibles$0
All other assets$978
Life insurance assets$94,573
Total liabilities and capital$83,886
Total liabilities$83,658
Total deposits$69,391
Interest-bearing deposits$83,658
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $228
All other liabilities $10,687
Total equity capital$10,687
Total bank equity capital$10,687
Perpetual preferred stock$0
Common stock$250
Undivided profits $6,687
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,188
Earning assets $0
Long-term assets (5+ years) $614
Average Assets, year-to-date $89,145
Average Assets, quarterly $38,954
Volatile liabilities $95,289
Insider loans $95,846
FHLB advances $41,408
Loans and leases held for sale $93,844
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,842
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,078
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,304
Total interest expense $557
Net interest income $3,747
Provision for loan and lease losses $1,143
Total noninterest income $595
Fiduciary activities $0
Service charges on deposit accounts $320
Trading account gains & fees $0
Additional noninterest income $275
Total noninterest expense $2,592
Salaries and employee benefits $1,477
Premises and equipment expense $270
Additional noninterest expense $845
Pre-tax net operating income $607
Securities gains (losses) $385
Applicable income taxes $0
Income before extraordinary items $992
Extraordinary gains - net $0
Net income attributable to bank $992
Net charge-offs $0
Cash dividends $992
Sale, conversion, retirement of capital stock, net $1,279
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.76%
Cost of funding earning assets 0.62%
Net interest margin 4.15%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 2.87%
Net operating income to assets 0.64%
Return on assets (ROA) 1.04%
Pretax return on assets 1.04%
Return on equity (ROE) 9.88%
Retained earnings to average equity (YTD only) 9.88%
Net charge-offs to loans 2.85%
Credit loss provision to net charge-offs 89.37%
Efficiency ratio1.37%
Assets per employee$59,696
Cash dividends to net income (YTD only)3.05%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.70%
Noncurrent assets plus other real estate owned to assets 60.52%
Noncurrent loans to loans 2.54%
Net loans and leases to deposits2.81%
Net loans and leases to core deposits 49.62%
Equity capital to assets 50.99%
Core capital (leverage) ratio 11.30%
Tier 1 risk-based capital ratio 10.49%
Total risk-based capital ratio 23.77%
Average assets$25
Average earning assets$95,289
Average equity $10,038
Average loans $90,350
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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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