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

Bank of Terrell - Overview

  • General
  • FDIC Certificate #: 35320
    Status: Active
    Federal Reserve ID: 2823221
    Bank Holding Company (Regulatory Top Holder): Georgia Community Bancorp, Incorporated (RSSDID: 1245581, Location: Reynolds, GA)
    Date Established: August 31, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 78226
    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: August 31, 1999
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 25, 2007
    Last Data Update: September 25, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 250 East Lee 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
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $152.6 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $130.7 mil
    Return on assets (ROA): 0.87% ($1.3 mil)
    Quarterly return on assets: 1.08% ($1.7 mil)
    Return on Equity (ROE): 9.50% ($1.3 mil)
    Quarterly return on equity: 11.71% ($1.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.87% ($1,327.8 mil)
    Quarterly Pretax return on assets: 1.08% ($1,648.3 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
  • 30Total employees (full-time equivalent)
  • $152,625Total assets
  • $17,613Cash and due from depository institutions
  • $9,918Interest-bearing balances
  • $14,110Securities
  • $14,945Federal funds sold & reverse repurchase agreements
  • $98,864Net loans & leases
  • $1,611Loan loss allowance
  • $0Trading account assets
  • $1,942Bank premises and fixed assets
  • $1,526Other real estate owned
  • $0Goodwill and other intangibles
  • $152,625Life insurance assets
  • $3,625All other assets
  • $138,337Total liabilities and capital
  • $130,749Total liabilities
  • $116,162Total deposits
  • $130,749Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $588Subordinated debt
  • $14,288All other liabilities
  • $14,288Total equity capital
  • $14,288Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $5,000Surplus
  • $6,288Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,180Income earned, not collected on loans
  • $650Earning assets
  • $1,402Long-term assets (5+ years)
  • $137,837Average Assets, year-to-date
  • $29,967Average Assets, quarterly
  • $150,311Volatile liabilities
  • $152,994Insider loans
  • $100,490FHLB advances
  • $153,465Loans and leases held for sale
  • $1,317Unused loan commitments
  • $1,317Tier 1 (core) risk-based capital
  • $13,875Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,406Restructured Loans and leases
  • $388Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,391Total interest income
  • $2,619Total interest expense
  • $4,772Net interest income
  • $386Provision for loan and lease losses
  • $592Total noninterest income
  • $0Fiduciary activities
  • $429Service charges on deposit accounts
  • $0Trading account gains & fees
  • $163Additional noninterest income
  • $3,723Total noninterest expense
  • $2,170Salaries and employee benefits
  • $515Premises and equipment expense
  • $1,038Additional noninterest expense
  • $1,255Pre-tax net operating income
  • $54Securities gains (losses)
  • $0Applicable income taxes
  • $1,309Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,309Net income attributable to bank
  • $0Net charge-offs
  • $1,309Cash dividends
  • $530Sale, conversion, retirement of capital stock, net
  • $690Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 1.92%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 9.50%Return on equity (ROE)
  • 4.49%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 72.83%Credit loss provision to net charge-offs
  • 3.10%Efficiency ratio
  • 69,407Assets per employee
  • 5.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.71%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 73.90%Noncurrent assets plus other real estate owned to assets
  • 2.43%Noncurrent loans to loans
  • 2.17%Net loans and leases to deposits
  • 75.61%Net loans and leases to core deposits
  • 83.39%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 9.04%Tier 1 risk-based capital ratio
  • 13.81%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $150,311Average earning assets
  • $13,777Average equity
  • $136,742Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078226Bank Of Terrell250 East Lee Street, Dawson, GA 39842August 31, 1999Full Service Brick and Mortar
    2233820Drive-In Branch344 E Lee Street, Dawson, GA 39842September 02, 1970Limited Service Facility
    3365580Leesburg Branch3000 North Slappey Drive, Albany, GA 31701October 28, 2002Full Service Brick and Mortar

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

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