Darby Bank & Trust Co. in city_name, state_name - Detailed Financial Reports, Location

Darby Bank & Trust Co. in Vidalia, Georgia (GA)
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Darby Bank & Trust Co. - Overview

General
FDIC Certificate #: 14580
Status: Inactive
Closing history: Absorption - Assisted
Acquiring institution: Ameris Bank (#20504)
Federal Reserve ID: 446336
Date Established: January 01, 1927
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Interstate: No)
OTS Docket #: 12979
FDIC's unique #: 9113
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: December 18, 1934
Last Structure Change Effective Date: November 12, 2010
Last Structure Change Process Date: November 15, 2010
Last Data Update: November 15, 2010
Data Source Date: April 05, 2012
Location
Address: P.O. Box 670, Vidalia, GA 30475
County: Toombs
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Savannah
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Vidalia, GA (#47080)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $654.7 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, 2009)

Dollar figures in thousands
139Total employees (full-time equivalent)
$828,061Total assets
$176,725Cash and due from depository institutions
$143,133Interest-bearing balances
$108,804Securities
$0Federal funds sold & reverse repurchase agreements
$484,324Net loans & leases
$17,499Loan loss allowance
$0Trading account assets
$11,687Bank premises and fixed assets
$20,559Other real estate owned
$0Goodwill and other intangibles
$6,524Life insurance assets
$25,962All other assets
$828,061Total liabilities and capital
$797,157Total liabilities
$718,695Total deposits
$674,409Interest-bearing deposits
$718,695Deposits held in domestic offices
93.75%% insured (estimated)
$10,100Federal funds purchased & repurchase agreements
$0Trading liabilities
$62,000Other borrowed funds
$0Subordinated debt
$6,362All other liabilities
$30,904Total equity capital
$30,904Total bank equity capital
$30,904Perpetual preferred stock
$0Common stock
$500Surplus
$19,486Undivided profits
Memoranda
$10,918Noncurrent loans and leases
$20,791Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$76,611Earning assets
$0Long-term assets (5+ years)
$3,109Average Assets, year-to-date
$736,261Average Assets, quarterly
$91,116Volatile liabilities
$833,180Insider loans
$868,063FHLB advances
$153,824Loans and leases held for sale
$4,089Unused loan commitments
$62,000Tier 1 (core) risk-based capital
$56Tier 2 risk-based capital
$0Total risk weighted assets
$20,791Total unused commitments
$12,586Restructured Loans and leases
$6,610Derivatives

Income and Expense (December 31, 2009)

Dollar figures in thousands
$37,513Total interest income
$22,698Total interest expense
$14,815Net interest income
$31,290Provision for loan and lease losses
$534Total noninterest income
$1Fiduciary activities
$2,208Service charges on deposit accounts
$0Trading account gains & fees
-$1,675Additional noninterest income
$21,867Total noninterest expense
$8,831Salaries and employee benefits
$3,325Premises and equipment expense
$9,711Additional noninterest expense
-$37,808Pre-tax net operating income
$2,382Securities gains (losses)
-$6,775Applicable income taxes
-$28,651Income before extraordinary items
$0Extraordinary gains - net
-$28,651Net income attributable to bank
$0Net charge-offs
-$28,651Cash dividends
$23,614Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2009)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.15%Yield on earning assets
3.12%Cost of funding earning assets
2.03%Net interest margin
0.07%Noninterest income to earning assets
3.00%Noninterest expense to earning assets
-3.67%Net operating income to assets
-3.44%Return on assets (ROA)
-4.25%Pretax return on assets
-61.40%Return on equity (ROE)
-61.40%Retained earnings to average equity (YTD only)
4.17%Net charge-offs to loans
132.51%Credit loss provision to net charge-offs
-0.28%Efficiency ratio
142,465Assets per employee
5.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.49%Loss allowance to noncurrent loans
22.84%Noncurrent assets plus other real estate owned to assets
11.73%Noncurrent loans to loans
15.27%Net loans and leases to deposits
67.39%Net loans and leases to core deposits
84.23%Equity capital to assets
3.73%Core capital (leverage) ratio
3.59%Tier 1 risk-based capital ratio
5.97%Total risk-based capital ratio
Memoranda
$7Average assets
$833,180Average earning assets
$46,662Average equity
$728,569Average loans

Total Fiduciary and Related Assets (December 31, 2009)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$4,355Managed Assets
1Number of Accounts
$135Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$135Non-managed Assets
2Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$4,220Other retirement accounts
$0Corporate trust and agency accounts
$4,220Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

Darby Bank & Trust Co. in Vidalia, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Darby Bank & Trust Co. - Overview

Assets and Liabilities (December 31, 2009)

Income and Expense (December 31, 2009)

Performance and Condition Ratios (December 31, 2009)

Total Fiduciary and Related Assets (December 31, 2009)

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

Darby Bank & Trust Co. in Vidalia, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

Darby Bank & Trust Co. - Overview

Assets and Liabilities (December 31, 2009)

Income and Expense (December 31, 2009)

Performance and Condition Ratios (December 31, 2009)

Total Fiduciary and Related Assets (December 31, 2009)

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

Darby Bank & Trust Co. in Vidalia, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches