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

This bank is inactive as of May 23, 2001

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

  • General
  • FDIC Certificate #: 31199
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First Bank (#27887)
    Federal Reserve ID: 959377
    Date Established: August 04, 1960
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 6519
    FDIC's unique #: 44033
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 04, 1960
    Last Structure Change Effective Date: May 23, 2001
    Last Structure Change Process Date: July 18, 2001
    Last Data Update: July 18, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 8458 Campbellton Street, 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)
  • Financial Summary
  • Total assets: $148.5 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $141,441Total assets
  • $5,157Cash and due from depository institutions
  • $4,413Interest-bearing balances
  • $15,463Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,292Net loans & leases
  • $1,083Loan loss allowance
  • $0Trading account assets
  • $3,230Bank premises and fixed assets
  • $1,908Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,391All other assets
  • $141,441Total liabilities and capital
  • $121,640Total liabilities
  • $99,127Total deposits
  • $89,956Interest-bearing deposits
  • $99,127Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $21,500Other borrowed funds
  • $0Subordinated debt
  • $1,013All other liabilities
  • $19,801Total equity capital
  • $19,801Total bank equity capital
  • $19,801Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $7,510Undivided profits
  • Memoranda
  • $12,290Noncurrent loans and leases
  • $15,261Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $271Earning assets
  • $0Long-term assets (5+ years)
  • $751Average Assets, year-to-date
  • $133,168Average Assets, quarterly
  • $0Volatile liabilities
  • $131,061Insider loans
  • $140,302FHLB advances
  • $49,339Loans and leases held for sale
  • $0Unused loan commitments
  • $21,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $15,261Total unused commitments
  • $7Restructured Loans and leases
  • $1,083Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $9,853Total interest income
  • $5,438Total interest expense
  • $4,415Net interest income
  • $83Provision for loan and lease losses
  • $777Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $777Additional noninterest income
  • $3,118Total noninterest expense
  • $1,736Salaries and employee benefits
  • $721Premises and equipment expense
  • $661Additional noninterest expense
  • $1,991Pre-tax net operating income
  • $337Securities gains (losses)
  • $756Applicable income taxes
  • $1,572Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,572Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $57Sale, conversion, retirement of capital stock, net
  • $126Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.95%Yield on earning assets
  • 4.39%Cost of funding earning assets
  • 3.56%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.78%Pretax return on assets
  • 8.36%Return on equity (ROE)
  • 7.69%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 145.61%Credit loss provision to net charge-offs
  • 36.39%Efficiency ratio
  • 60,054Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.02%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 399.63%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 114.29%Net loans and leases to core deposits
  • 158.92%Equity capital to assets
  • 14.00%Core capital (leverage) ratio
  • 12.65%Tier 1 risk-based capital ratio
  • 19.04%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $131,061Average earning assets
  • $18,810Average equity
  • $123,893Average loans

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