Douglas County Bank in Douglasville, Georgia (GA)

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Douglas County Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)78
Total assets$327,113
Cash and due from depository institutions$16,158
Interest-bearing balances$13,317
Federal funds sold & reverse repurchase agreements$3,205
Net loans & leases$219,245
Loan loss allowance $2,534
Trading account assets$0
Bank premises and fixed assets$3,263
Other real estate owned$57,943
Goodwill and other intangibles$0
All other assets$2,041
Life insurance assets$327,113
Total liabilities and capital$313,194
Total liabilities$312,196
Total deposits$284,574
Interest-bearing deposits$312,196
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $998
All other liabilities $13,919
Total equity capital$13,919
Total bank equity capital$13,919
Perpetual preferred stock$0
Common stock$540
Undivided profits $-21,360
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $41,375
Earning assets $0
Long-term assets (5+ years) $744
Average Assets, year-to-date $261,025
Average Assets, quarterly $16,070
Volatile liabilities $331,889
Insider loans $328,024
FHLB advances $263,117
Loans and leases held for sale $328,024
Unused loan commitments $774
Tier 1 (core) risk-based capital $774
Tier 2 risk-based capital $13,605
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,801
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,318
Total interest expense $4,181
Net interest income $7,137
Provision for loan and lease losses $1,564
Total noninterest income $2,087
Fiduciary activities $0
Service charges on deposit accounts $1,093
Trading account gains & fees $0
Additional noninterest income $994
Total noninterest expense $10,333
Salaries and employee benefits $3,710
Premises and equipment expense $1,450
Additional noninterest expense $5,173
Pre-tax net operating income -$2,673
Securities gains (losses) $213
Applicable income taxes $0
Income before extraordinary items -$2,460
Extraordinary gains - net $0
Net income attributable to bank -$2,460
Net charge-offs $0
Cash dividends -$2,460
Sale, conversion, retirement of capital stock, net $2,054
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.27%
Cost of funding earning assets 1.58%
Net interest margin 2.69%
Noninterest income to earning assets 0.79%
Noninterest expense to earning assets 3.90%
Net operating income to assets -0.81%
Return on assets (ROA) -0.74%
Pretax return on assets -0.74%
Return on equity (ROE) -16.42%
Retained earnings to average equity (YTD only) -16.42%
Net charge-offs to loans 0.91%
Credit loss provision to net charge-offs 76.14%
Efficiency ratio-0.54%
Assets per employee$112,023
Cash dividends to net income (YTD only)4.19%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.14%
Noncurrent assets plus other real estate owned to assets 6.12%
Noncurrent loans to loans 30.36%
Net loans and leases to deposits18.66%
Net loans and leases to core deposits 70.23%
Equity capital to assets 74.79%
Core capital (leverage) ratio 4.26%
Tier 1 risk-based capital ratio 4.15%
Total risk-based capital ratio 5.17%
Average assets$6
Average earning assets$331,889
Average equity $14,984
Average loans $265,063
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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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