Colony Bank of Dodge County in Eastman, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 2008

  • Colony Bank of Dodge County in Eastman, Georgia (GA)
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Colony Bank of Dodge County - Overview

  • General
  • FDIC Certificate #: 19792
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Colony Bank (#22257)
    Federal Reserve ID: 169233
    Date Established: January 01, 1934
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 13968
    FDIC's unique #: 13586
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 15, 1968
    Last Structure Change Effective Date: August 01, 2008
    Last Structure Change Process Date: August 13, 2008
    Last Data Update: August 13, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 5510 Oak Street, Eastman, GA 31023
    County: Dodge
    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
  • Financial Summary
  • Total assets: $82.3 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, 2007)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $88,848Total assets
  • $4,531Cash and due from depository institutions
  • $148Interest-bearing balances
  • $16,594Securities
  • $3,356Federal funds sold & reverse repurchase agreements
  • $61,779Net loans & leases
  • $733Loan loss allowance
  • $0Trading account assets
  • $852Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,736All other assets
  • $88,848Total liabilities and capital
  • $82,759Total liabilities
  • $79,365Total deposits
  • $70,844Interest-bearing deposits
  • $79,365Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,000Other borrowed funds
  • $0Subordinated debt
  • $394All other liabilities
  • $6,089Total equity capital
  • $6,089Total bank equity capital
  • $6,089Perpetual preferred stock
  • $0Common stock
  • $88Surplus
  • $3,912Undivided profits
  • Memoranda
  • $2,089Noncurrent loans and leases
  • $5,747Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,077Earning assets
  • $0Long-term assets (5+ years)
  • $935Average Assets, year-to-date
  • $81,877Average Assets, quarterly
  • $4,025Volatile liabilities
  • $85,655Insider loans
  • $88,426FHLB advances
  • $24,433Loans and leases held for sale
  • $2,616Unused loan commitments
  • $3,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,747Total unused commitments
  • $0Restructured Loans and leases
  • $733Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $6,421Total interest income
  • $3,269Total interest expense
  • $3,152Net interest income
  • $374Provision for loan and lease losses
  • $875Total noninterest income
  • $0Fiduciary activities
  • $737Service charges on deposit accounts
  • $0Trading account gains & fees
  • $138Additional noninterest income
  • $2,340Total noninterest expense
  • $1,042Salaries and employee benefits
  • $207Premises and equipment expense
  • $1,091Additional noninterest expense
  • $1,313Pre-tax net operating income
  • -$6Securities gains (losses)
  • $408Applicable income taxes
  • $899Income before extraordinary items
  • $0Extraordinary gains - net
  • $899Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $470Sale, conversion, retirement of capital stock, net
  • $750Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.98%Yield on earning assets
  • 4.06%Cost of funding earning assets
  • 3.92%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 15.07%Return on equity (ROE)
  • 2.50%Retained earnings to average equity (YTD only)
  • 0.75%Net charge-offs to loans
  • 79.57%Credit loss provision to net charge-offs
  • 3.59%Efficiency ratio
  • 58,108Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.43%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 68.06%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 1.72%Net loans and leases to deposits
  • 77.84%Net loans and leases to core deposits
  • 112.46%Equity capital to assets
  • 6.85%Core capital (leverage) ratio
  • 6.83%Tier 1 risk-based capital ratio
  • 9.45%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $85,655Average earning assets
  • $5,965Average equity
  • $80,420Average loans

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