Bank of Dawson in Dawson, Georgia (GA)

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Bank of Dawson
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)31
Total assets$117,317
Cash and due from depository institutions$6,471
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$12,955
Net loans & leases$59,688
Loan loss allowance $1,289
Trading account assets$0
Bank premises and fixed assets$507
Other real estate owned$974
Goodwill and other intangibles$0
All other assets$2,871
Life insurance assets$117,317
Total liabilities and capital$99,098
Total liabilities$98,261
Total deposits$84,262
Interest-bearing deposits$98,261
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $837
All other liabilities $18,219
Total equity capital$18,219
Total bank equity capital$18,219
Perpetual preferred stock$0
Common stock$480
Undivided profits $10,219
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 $1,400
Earning assets $242
Long-term assets (5+ years) $1,684
Average Assets, year-to-date $106,494
Average Assets, quarterly $38,834
Volatile liabilities $111,009
Insider loans $114,868
FHLB advances $61,065
Loans and leases held for sale $112,159
Unused loan commitments $181
Tier 1 (core) risk-based capital $181
Tier 2 risk-based capital $17,370
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,293
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,707
Total interest expense $1,335
Net interest income $4,372
Provision for loan and lease losses $220
Total noninterest income $838
Fiduciary activities $0
Service charges on deposit accounts $570
Trading account gains & fees $0
Additional noninterest income $268
Total noninterest expense $3,351
Salaries and employee benefits $1,809
Premises and equipment expense $181
Additional noninterest expense $1,361
Pre-tax net operating income $1,639
Securities gains (losses) $58
Applicable income taxes $553
Income before extraordinary items $1,144
Extraordinary gains - net $0
Net income attributable to bank $1,144
Net charge-offs $0
Cash dividends $1,144
Sale, conversion, retirement of capital stock, net $104
Net operating income $374
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.63%
Cost of funding earning assets 1.32%
Net interest margin 4.31%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 3.30%
Net operating income to assets 1.00%
Return on assets (ROA) 1.03%
Pretax return on assets 1.53%
Return on equity (ROE) 6.47%
Retained earnings to average equity (YTD only) 4.35%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 211.54%
Efficiency ratio17.88%
Assets per employee$64,319
Cash dividends to net income (YTD only)3.78%
Condition Ratios (%)
Loss allowance to loans 32.69%
Loss allowance to noncurrent loans 2.11%
Noncurrent assets plus other real estate owned to assets 92.07%
Noncurrent loans to loans 2.02%
Net loans and leases to deposits2.30%
Net loans and leases to core deposits 60.74%
Equity capital to assets 62.50%
Core capital (leverage) ratio 15.53%
Tier 1 risk-based capital ratio 15.49%
Total risk-based capital ratio 28.45%
Average assets$30
Average earning assets$111,009
Average equity $17,687
Average loans $101,396
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1 Georgia Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0558Bank Of Dawson201-209 Main Street, Dawson, GA 39842July 01, 1911Full Service Brick and Mortar
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