Bank of Dawson in Dawson, Georgia (GA)



Show street view No street view available for this location

Bank of Dawson routing number info

Table of contents:
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
Securities$33,851
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
Surplus$7,520
Undivided profits $10,219
Memoranda
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
Derivatives$1,088
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Memoranda
Average assets$30
Average earning assets$111,009
Average equity $17,687
Average loans $101,396
Back to page top, Back to table top

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
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Dawson.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.