FDIC Certificate #: 876 Status: Active Federal Reserve ID: 193537 Bank Holding Company (Regulatory Top Holder): Dawson Bancshares, Inc. (RSSDID: 1085536, Location: Dawson, GA) Date Established: July 01, 1911 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 558 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: 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: 201-209 Main Street, Dawson, GA 39842 County: Terrell 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 Core Based Statistical Area (CBSA): Albany, GA (#10500) CBSA Metro Statistical Area: Albany, GA (#10500)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $117.3 mil Equity capital: $18.2 mil Deposits held in domestic offices: $98.3 mil Return on assets (ROA): 1.03% ($1.2 mil) Quarterly return on assets: 0.40% ($0.5 mil) Return on Equity (ROE): 6.47% ($1.2 mil) Quarterly return on equity: 2.49% ($0.4 mil) Net income: $1.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.53% ($1,795.0 mil) Quarterly Pretax return on assets: 0.54% ($633.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$117,317Total assets
$6,471Cash and due from depository institutions
$0Interest-bearing balances
$33,851Securities
$12,955Federal funds sold & reverse repurchase agreements
$59,688Net loans & leases
$1,289Loan loss allowance
$0Trading account assets
$507Bank premises and fixed assets
$974Other real estate owned
$0Goodwill and other intangibles
$117,317Life insurance assets
$2,871All other assets
$99,098Total liabilities and capital
$98,261Total liabilities
$84,262Total deposits
$98,261Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$837Subordinated debt
$18,219All other liabilities
$18,219Total equity capital
$18,219Total bank equity capital
$0Perpetual preferred stock
$480Common stock
$7,520Surplus
$10,219Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,400Income earned, not collected on loans
$242Earning assets
$1,684Long-term assets (5+ years)
$106,494Average Assets, year-to-date
$38,834Average Assets, quarterly
$111,009Volatile liabilities
$114,868Insider loans
$61,065FHLB advances
$112,159Loans and leases held for sale
$181Unused loan commitments
$181Tier 1 (core) risk-based capital
$17,370Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,293Restructured Loans and leases
$1,088Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,707Total interest income
$1,335Total interest expense
$4,372Net interest income
$220Provision for loan and lease losses
$838Total noninterest income
$0Fiduciary activities
$570Service charges on deposit accounts
$0Trading account gains & fees
$268Additional noninterest income
$3,351Total noninterest expense
$1,809Salaries and employee benefits
$181Premises and equipment expense
$1,361Additional noninterest expense
$1,639Pre-tax net operating income
$58Securities gains (losses)
$553Applicable income taxes
$1,144Income before extraordinary items
$0Extraordinary gains - net
$1,144Net income attributable to bank
$0Net charge-offs
$1,144Cash dividends
$104Sale, conversion, retirement of capital stock, net
$374Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.63%Yield on earning assets
1.32%Cost of funding earning assets
4.31%Net interest margin
0.83%Noninterest income to earning assets
3.30%Noninterest expense to earning assets
1.00%Net operating income to assets
1.03%Return on assets (ROA)
1.53%Pretax return on assets
6.47%Return on equity (ROE)
4.35%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
211.54%Credit loss provision to net charge-offs
17.88%Efficiency ratio
64,319Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
32.69%Loss allowance to loans
2.11%Loss allowance to noncurrent loans
92.07%Noncurrent assets plus other real estate owned to assets
2.02%Noncurrent loans to loans
2.30%Net loans and leases to deposits
60.74%Net loans and leases to core deposits
62.50%Equity capital to assets
15.53%Core capital (leverage) ratio
15.49%Tier 1 risk-based capital ratio
28.45%Total risk-based capital ratio
Memoranda
$30Average assets
$111,009Average earning assets
$17,687Average equity
$101,396Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
558
Bank Of Dawson
201-209 Main Street, Dawson, GA 39842
July 01, 1911
Full Service Brick and Mortar
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