Bank of Hazlehurst in Hazlehurst, Georgia (GA)

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Bank of Hazlehurst
GeneralFDIC Certificate #: 149
Status: Active
Federal Reserve ID: 628039
Bank Holding Company (Regulatory Top Holder): Hazlehurst Investors, Inc. (RSSDID: 3140961, Location: Hazlehurst, GA)
Date Established: January 01, 1906
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 116
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: Commercial Lending 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: 22 South Tallahassee Street, Hazlehurst, GA 31539
County: Jeff Davis
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
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $98.2 mil
Equity capital: $12.1 mil
Deposits held in domestic offices: $85.8 mil
Return on assets (ROA): -0.43% (-$0.4 mil)
Quarterly return on assets: 0.94% ($0.9 mil)
Return on Equity (ROE): -3.52% (-$0.4 mil)
Quarterly return on equity: 7.49% ($0.9 mil)
Net income: -$0.4 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: -0.43% (-$422.1 mil)
Quarterly Pretax return on assets: 0.94% ($922.8 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)30
Total assets$98,172
Cash and due from depository institutions$15,378
Interest-bearing balances$13,991
Federal funds sold & reverse repurchase agreements$7,400
Net loans & leases$51,951
Loan loss allowance $2,335
Trading account assets$0
Bank premises and fixed assets$1,159
Other real estate owned$1,907
Goodwill and other intangibles$3,981
All other assets$1,129
Life insurance assets$98,172
Total liabilities and capital$86,050
Total liabilities$85,849
Total deposits$59,014
Interest-bearing deposits$85,849
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $201
All other liabilities $12,122
Total equity capital$12,122
Total bank equity capital$12,122
Perpetual preferred stock$0
Common stock$100
Undivided profits $-831
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 $1,197
Earning assets $0
Long-term assets (5+ years) $615
Average Assets, year-to-date $88,609
Average Assets, quarterly $14,373
Volatile liabilities $94,817
Insider loans $96,568
FHLB advances $55,522
Loans and leases held for sale $89,551
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,069
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,407
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,533
Total interest expense $640
Net interest income $2,893
Provision for loan and lease losses $1,182
Total noninterest income $688
Fiduciary activities $0
Service charges on deposit accounts $743
Trading account gains & fees $0
Additional noninterest income -$55
Total noninterest expense $2,862
Salaries and employee benefits $1,355
Premises and equipment expense $272
Additional noninterest expense $1,235
Pre-tax net operating income -$463
Securities gains (losses) $53
Applicable income taxes $0
Income before extraordinary items -$410
Extraordinary gains - net $0
Net income attributable to bank -$410
Net charge-offs $0
Cash dividends -$410
Sale, conversion, retirement of capital stock, net $793
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 assets4.15%
Cost of funding earning assets 0.75%
Net interest margin 3.40%
Noninterest income to earning assets 0.81%
Noninterest expense to earning assets 3.36%
Net operating income to assets -0.49%
Return on assets (ROA) -0.43%
Pretax return on assets -0.43%
Return on equity (ROE) -3.52%
Retained earnings to average equity (YTD only) -3.52%
Net charge-offs to loans 1.44%
Credit loss provision to net charge-offs 149.05%
Efficiency ratio0.91%
Assets per employee$72,913
Cash dividends to net income (YTD only)3.27%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.30%
Noncurrent assets plus other real estate owned to assets 195.07%
Noncurrent loans to loans 3.16%
Net loans and leases to deposits2.20%
Net loans and leases to core deposits 60.51%
Equity capital to assets 66.08%
Core capital (leverage) ratio 12.35%
Tier 1 risk-based capital ratio 9.01%
Total risk-based capital ratio 14.53%
Average assets$16
Average earning assets$94,817
Average equity $11,654
Average loans $85,091
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2 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0116Bank Of Hazlehurst22 South Tallahassee Street, Hazlehurst, GA 31539January 01, 1906Full Service Brick and Mortar
1181237Tallahassee Street Branch162 South Tallahassee Street, Hazlehurst, GA 31539January 23, 1989Full Service Brick and Mortar
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