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

Bank of Dawson - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    0558Bank Of Dawson201-209 Main Street, Dawson, GA 39842July 01, 1911Full Service Brick and Mortar

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