Barwick Banking Company in Barwick, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Barwick Banking Company in Barwick, Georgia (GA)
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Barwick Banking Company - Overview

  • General
  • FDIC Certificate #: 22205
    Status: Active
    Federal Reserve ID: 1007734
    Date Established: January 01, 1934
    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 #: 15427
    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 06, 1976
    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: 2020 East Main Street, Barwick, GA 31720
    County: Brooks
    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): Valdosta, GA (#46660)
    CBSA Metro Statistical Area: Valdosta, GA (#46660)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $12.5 mil
    Equity capital: $0.8 mil
    Deposits held in domestic offices: $11.7 mil
    Return on assets (ROA): 0.23% ($0.0 mil)
    Quarterly return on assets: 2.95% ($0.4 mil)
    Return on Equity (ROE): 3.79% ($0.0 mil)
    Quarterly return on equity: 47.18% ($0.5 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.23% ($28.8 mil)
    Quarterly Pretax return on assets: 2.95% ($369.8 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
  • 3Total employees (full-time equivalent)
  • $12,534Total assets
  • $6,622Cash and due from depository institutions
  • $4,824Interest-bearing balances
  • $1,586Securities
  • $390Federal funds sold & reverse repurchase agreements
  • $3,797Net loans & leases
  • $84Loan loss allowance
  • $0Trading account assets
  • $13Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $12,534Life insurance assets
  • $126All other assets
  • $11,717Total liabilities and capital
  • $11,707Total liabilities
  • $9,497Total deposits
  • $11,707Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $10Subordinated debt
  • $817All other liabilities
  • $817Total equity capital
  • $817Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $900Surplus
  • $-183Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $68Long-term assets (5+ years)
  • $10,597Average Assets, year-to-date
  • $386Average Assets, quarterly
  • $12,490Volatile liabilities
  • $12,356Insider loans
  • $3,384FHLB advances
  • $12,475Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $817Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $129Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $360Total interest income
  • $127Total interest expense
  • $233Net interest income
  • -$2Provision for loan and lease losses
  • $29Total noninterest income
  • $0Fiduciary activities
  • $24Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5Additional noninterest income
  • $326Total noninterest expense
  • $201Salaries and employee benefits
  • $36Premises and equipment expense
  • $89Additional noninterest expense
  • -$62Pre-tax net operating income
  • $91Securities gains (losses)
  • $0Applicable income taxes
  • $29Income before extraordinary items
  • $0Extraordinary gains - net
  • $29Net income attributable to bank
  • $0Net charge-offs
  • $29Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.41%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 2.21%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 3.09%Noninterest expense to earning assets
  • -0.50%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 3.79%Return on equity (ROE)
  • 3.79%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 124,427Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 32.43%Net loans and leases to core deposits
  • 32.43%Equity capital to assets
  • 6.52%Core capital (leverage) ratio
  • 6.55%Tier 1 risk-based capital ratio
  • 24.14%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $12,490Average earning assets
  • $765Average equity
  • $10,552Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015427Barwick Banking Company2020 East Main Street, Barwick, GA 31720January 01, 1934Full Service Brick and Mortar

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