Douglas County Bank in Douglasville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Douglas County Bank in Douglasville, Georgia (GA)
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Douglas County Bank - Overview

  • General
  • FDIC Certificate #: 21649
    Status: Active
    Federal Reserve ID: 201638
    Bank Holding Company (Regulatory Top Holder): Thornton Holding Company, Inc. (RSSDID: 1082852, Location: Douglasville, GA)
    Date Established: June 25, 1974
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 14982
    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: June 25, 1974
    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: 6157 Fairburn Road, Douglasville, GA 30134
    County: Douglas
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $327.1 mil
    Equity capital: $13.9 mil
    Deposits held in domestic offices: $312.2 mil
    Return on assets (ROA): -0.74% (-$2.4 mil)
    Quarterly return on assets: -1.32% (-$4.3 mil)
    Return on Equity (ROE): -16.42% (-$2.3 mil)
    Quarterly return on equity: -29.97% (-$4.2 mil)
    Net income: -$2.5 mil
    Quarterly Net income: -$1.1 mil
    Pretax return on assets: -0.74% (-$2,420.6 mil)
    Quarterly Pretax return on assets: -1.32% (-$4,317.9 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
  • 78Total employees (full-time equivalent)
  • $327,113Total assets
  • $16,158Cash and due from depository institutions
  • $13,317Interest-bearing balances
  • $25,258Securities
  • $3,205Federal funds sold & reverse repurchase agreements
  • $219,245Net loans & leases
  • $2,534Loan loss allowance
  • $0Trading account assets
  • $3,263Bank premises and fixed assets
  • $57,943Other real estate owned
  • $0Goodwill and other intangibles
  • $327,113Life insurance assets
  • $2,041All other assets
  • $313,194Total liabilities and capital
  • $312,196Total liabilities
  • $284,574Total deposits
  • $312,196Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $998Subordinated debt
  • $13,919All other liabilities
  • $13,919Total equity capital
  • $13,919Total bank equity capital
  • $0Perpetual preferred stock
  • $540Common stock
  • $34,739Surplus
  • $-21,360Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $41,375Income earned, not collected on loans
  • $0Earning assets
  • $744Long-term assets (5+ years)
  • $261,025Average Assets, year-to-date
  • $16,070Average Assets, quarterly
  • $331,889Volatile liabilities
  • $328,024Insider loans
  • $263,117FHLB advances
  • $328,024Loans and leases held for sale
  • $774Unused loan commitments
  • $774Tier 1 (core) risk-based capital
  • $13,605Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,801Restructured Loans and leases
  • $6,977Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,318Total interest income
  • $4,181Total interest expense
  • $7,137Net interest income
  • $1,564Provision for loan and lease losses
  • $2,087Total noninterest income
  • $0Fiduciary activities
  • $1,093Service charges on deposit accounts
  • $0Trading account gains & fees
  • $994Additional noninterest income
  • $10,333Total noninterest expense
  • $3,710Salaries and employee benefits
  • $1,450Premises and equipment expense
  • $5,173Additional noninterest expense
  • -$2,673Pre-tax net operating income
  • $213Securities gains (losses)
  • $0Applicable income taxes
  • -$2,460Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,460Net income attributable to bank
  • $0Net charge-offs
  • -$2,460Cash dividends
  • $2,054Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 1.58%Cost of funding earning assets
  • 2.69%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • -0.81%Net operating income to assets
  • -0.74%Return on assets (ROA)
  • -0.74%Pretax return on assets
  • -16.42%Return on equity (ROE)
  • -16.42%Retained earnings to average equity (YTD only)
  • 0.91%Net charge-offs to loans
  • 76.14%Credit loss provision to net charge-offs
  • -0.54%Efficiency ratio
  • 112,023Assets per employee
  • 4.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 6.12%Noncurrent assets plus other real estate owned to assets
  • 30.36%Noncurrent loans to loans
  • 18.66%Net loans and leases to deposits
  • 70.23%Net loans and leases to core deposits
  • 74.79%Equity capital to assets
  • 4.26%Core capital (leverage) ratio
  • 4.15%Tier 1 risk-based capital ratio
  • 5.17%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $331,889Average earning assets
  • $14,984Average equity
  • $265,063Average loans

List of branches

  • 4 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014982Douglas County Bank6157 Fairburn Road, Douglasville, GA 30134June 25, 1974Full Service Brick and Mortar
    2253176Stewart Parkway Branch6100 Stewart Parkway, Douglasville, GA 30135March 01, 1989Full Service Brick and Mortar
    3363072Lithia Springs Branch3491 Skyview Drive, Lithia Springs, GA 30122December 12, 2001Full Service Brick and Mortar
    4429518Dc Bank Of Dallas Branch519 Hardee Street, Dallas, GA 30132June 02, 2004Full Service Brick and Mortar

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