First Community Bank of Georgia in Roberta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 31, 2007

  • First Community Bank of Georgia in Roberta, Georgia (GA)
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First Community Bank of Georgia - Overview

  • General
  • FDIC Certificate #: 34580
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Atlantic Southern Bank (#57213)
    Federal Reserve ID: 2704188
    Date Established: June 15, 1998
    WWW: http://www.fcbga.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 60639
    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: June 15, 1998
    Last Structure Change Effective Date: January 31, 2007
    Last Structure Change Process Date: Febuary 15, 2007
    Last Data Update: Febuary 15, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 North Dugger Avenue, Roberta, GA 31078
    County: Crawford
    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
    Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
    Core Based Statistical Area (CBSA): Macon, GA (#31420)
    CBSA Metro Statistical Area: Macon, GA (#31420)
  • Financial Summary
  • Total assets: $69.7 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, 2006)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $69,684Total assets
  • $2,614Cash and due from depository institutions
  • $651Interest-bearing balances
  • $12,285Securities
  • $2,760Federal funds sold & reverse repurchase agreements
  • $48,807Net loans & leases
  • $885Loan loss allowance
  • $0Trading account assets
  • $2,109Bank premises and fixed assets
  • $10Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,099All other assets
  • $69,684Total liabilities and capital
  • $61,499Total liabilities
  • $58,090Total deposits
  • $46,528Interest-bearing deposits
  • $58,090Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,000Other borrowed funds
  • $0Subordinated debt
  • $409All other liabilities
  • $8,185Total equity capital
  • $8,185Total bank equity capital
  • $8,185Perpetual preferred stock
  • $0Common stock
  • $2,855Surplus
  • $2,831Undivided profits
  • Memoranda
  • $2,499Noncurrent loans and leases
  • $5,218Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $990Earning assets
  • $0Long-term assets (5+ years)
  • $575Average Assets, year-to-date
  • $64,503Average Assets, quarterly
  • $8,558Volatile liabilities
  • $70,222Insider loans
  • $71,019FHLB advances
  • $8,704Loans and leases held for sale
  • $1,105Unused loan commitments
  • $3,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,218Total unused commitments
  • $0Restructured Loans and leases
  • $657Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $5,124Total interest income
  • $1,757Total interest expense
  • $3,367Net interest income
  • $200Provision for loan and lease losses
  • $632Total noninterest income
  • $0Fiduciary activities
  • $418Service charges on deposit accounts
  • $0Trading account gains & fees
  • $214Additional noninterest income
  • $2,323Total noninterest expense
  • $1,288Salaries and employee benefits
  • $272Premises and equipment expense
  • $763Additional noninterest expense
  • $1,476Pre-tax net operating income
  • $3Securities gains (losses)
  • $489Applicable income taxes
  • $990Income before extraordinary items
  • $0Extraordinary gains - net
  • $990Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $214Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.91%Yield on earning assets
  • 2.71%Cost of funding earning assets
  • 5.20%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 3.59%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 2.11%Pretax return on assets
  • 12.92%Return on equity (ROE)
  • 10.13%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 1428.57%Credit loss provision to net charge-offs
  • 119.71%Efficiency ratio
  • 58,090Assets per employee
  • 2.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.62%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 89.39%Noncurrent assets plus other real estate owned to assets
  • 1.44%Noncurrent loans to loans
  • 1.99%Net loans and leases to deposits
  • 84.02%Net loans and leases to core deposits
  • 98.83%Equity capital to assets
  • 11.75%Core capital (leverage) ratio
  • 11.75%Tier 1 risk-based capital ratio
  • 15.73%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $70,222Average earning assets
  • $7,662Average equity
  • $64,787Average loans

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