Exchange Bank in Milledgeville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Exchange Bank in Milledgeville, Georgia (GA)
  • Show street view No street view available for this location
Exchange Bank routing number info

Exchange Bank - Overview

  • General
  • FDIC Certificate #: 160
    Status: Active
    Federal Reserve ID: 613839
    Bank Holding Company (Regulatory Top Holder): Exchange Bankshares, Inc. (RSSDID: 1085862, Location: Milledgeville, GA)
    Date Established: June 01, 1903
    WWW: http://www.exchangebankshares.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12322
    FDIC's unique #: 126
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 250 West Hancock Street, Milledgeville, GA 31061
    County: Baldwin
    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): Milledgeville, GA (#33300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $218.7 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $193.2 mil
    Return on assets (ROA): -1.05% (-$2.3 mil)
    Quarterly return on assets: 1.69% ($3.7 mil)
    Return on Equity (ROE): -11.15% (-$2.3 mil)
    Quarterly return on equity: 17.99% ($3.8 mil)
    Net income: -$2.3 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: -1.33% (-$2,908.8 mil)
    Quarterly Pretax return on assets: 0.69% ($1,509.1 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
  • 75Total employees (full-time equivalent)
  • $218,708Total assets
  • $11,050Cash and due from depository institutions
  • $354Interest-bearing balances
  • $66,859Securities
  • $7,420Federal funds sold & reverse repurchase agreements
  • $118,821Net loans & leases
  • $3,664Loan loss allowance
  • $0Trading account assets
  • $4,327Bank premises and fixed assets
  • $5,943Other real estate owned
  • $0Goodwill and other intangibles
  • $218,708Life insurance assets
  • $4,288All other assets
  • $197,648Total liabilities and capital
  • $193,194Total liabilities
  • $186,688Total deposits
  • $193,194Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,658Trading liabilities
  • $0Other borrowed funds
  • $796Subordinated debt
  • $21,060All other liabilities
  • $21,060Total equity capital
  • $21,060Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $16,000Surplus
  • $4,660Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,210Income earned, not collected on loans
  • $0Earning assets
  • $1,070Long-term assets (5+ years)
  • $193,454Average Assets, year-to-date
  • $66,804Average Assets, quarterly
  • $223,362Volatile liabilities
  • $219,443Insider loans
  • $138,872FHLB advances
  • $217,422Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,170Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,020Restructured Loans and leases
  • $2,106Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,633Total interest income
  • $2,434Total interest expense
  • $7,199Net interest income
  • $3,952Provision for loan and lease losses
  • $151Total noninterest income
  • $0Fiduciary activities
  • $1,031Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$880Additional noninterest income
  • $6,446Total noninterest expense
  • $3,501Salaries and employee benefits
  • $1,012Premises and equipment expense
  • $1,933Additional noninterest expense
  • -$3,048Pre-tax net operating income
  • $67Securities gains (losses)
  • -$643Applicable income taxes
  • -$2,338Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,338Net income attributable to bank
  • $0Net charge-offs
  • -$2,338Cash dividends
  • $3,298Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • -1.07%Net operating income to assets
  • -1.05%Return on assets (ROA)
  • -1.33%Pretax return on assets
  • -11.15%Return on equity (ROE)
  • -11.15%Retained earnings to average equity (YTD only)
  • 2.58%Net charge-offs to loans
  • 119.83%Credit loss provision to net charge-offs
  • 0.27%Efficiency ratio
  • 87,701Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.99%Loss allowance to noncurrent loans
  • 114.14%Noncurrent assets plus other real estate owned to assets
  • 4.19%Noncurrent loans to loans
  • 2.62%Net loans and leases to deposits
  • 61.50%Net loans and leases to core deposits
  • 63.78%Equity capital to assets
  • 9.63%Core capital (leverage) ratio
  • 8.36%Tier 1 risk-based capital ratio
  • 13.08%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $223,362Average earning assets
  • $20,976Average equity
  • $197,027Average loans

List of branches

  • 5 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0126Exchange Bank250 West Hancock Street, Milledgeville, GA 31061June 01, 1903Full Service Brick and Mortar
    1181257Southside BranchVinson Highway And South Wayne Street, Milledgeville, GA 31061September 23, 1963Full Service Brick and Mortar
    2181258Northside Branch2400 North Columbia Street, Milledgeville, GA 31061April 10, 1972Full Service Brick and Mortar
    3181259The Gray Office4306 Gray Hwy, Gray, GA 31032April 13, 1998Full Service Brick and Mortar
    4429712Exchange Bank Of Lake Oconee Branch6081 Lake Oconee Parkway, Greensboro, GA 30642April 19, 2004Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Exchange Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents