First National Bank of Coffee County in Douglas, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


First National Bank of Coffee County - Overview

  • General
  • FDIC Certificate #: 33506
    Status: Active
    Federal Reserve ID: 1892154
    Bank Holding Company (Regulatory Top Holder): Fnc Bancorp, Inc. (RSSDID: 3069633, Location: Douglas, GA)
    Date Established: September 23, 1991
    WWW: http://www.fnbcc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12428
    FDIC's unique #: 47254
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 23, 1991
    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: 420 South Madison Avenue, Douglas, GA 31533
    County: Coffee
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Douglas, GA (#20060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $121.0 mil
    Equity capital: $17.2 mil
    Deposits held in domestic offices: $100.0 mil
    Return on assets (ROA): 1.30% ($1.6 mil)
    Quarterly return on assets: 1.51% ($1.8 mil)
    Return on Equity (ROE): 9.65% ($1.6 mil)
    Quarterly return on equity: 10.92% ($1.9 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.30% ($1,572.5 mil)
    Quarterly Pretax return on assets: 1.51% ($1,826.5 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
  • 30Total employees (full-time equivalent)
  • $120,958Total assets
  • $8,021Cash and due from depository institutions
  • $540Interest-bearing balances
  • $25,216Securities
  • $1,300Federal funds sold & reverse repurchase agreements
  • $80,265Net loans & leases
  • $1,171Loan loss allowance
  • $0Trading account assets
  • $1,695Bank premises and fixed assets
  • $2,428Other real estate owned
  • $0Goodwill and other intangibles
  • $120,958Life insurance assets
  • $2,033All other assets
  • $103,743Total liabilities and capital
  • $100,037Total liabilities
  • $86,625Total deposits
  • $100,037Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $706Subordinated debt
  • $17,215All other liabilities
  • $17,215Total equity capital
  • $17,215Total bank equity capital
  • $0Perpetual preferred stock
  • $1,750Common stock
  • $9,294Surplus
  • $6,171Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,833Income earned, not collected on loans
  • $260Earning assets
  • $863Long-term assets (5+ years)
  • $107,321Average Assets, year-to-date
  • $26,113Average Assets, quarterly
  • $123,189Volatile liabilities
  • $124,042Insider loans
  • $78,237FHLB advances
  • $124,304Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,856Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,515Restructured Loans and leases
  • $3,048Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,930Total interest income
  • $1,294Total interest expense
  • $4,636Net interest income
  • $340Provision for loan and lease losses
  • $1,001Total noninterest income
  • $0Fiduciary activities
  • $719Service charges on deposit accounts
  • $0Trading account gains & fees
  • $282Additional noninterest income
  • $3,681Total noninterest expense
  • $1,731Salaries and employee benefits
  • $316Premises and equipment expense
  • $1,634Additional noninterest expense
  • $1,616Pre-tax net operating income
  • -$17Securities gains (losses)
  • $0Applicable income taxes
  • $1,599Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,599Net income attributable to bank
  • $0Net charge-offs
  • $1,599Cash dividends
  • $1,650Sale, conversion, retirement of capital stock, net
  • $462Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 4.23%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 9.65%Return on equity (ROE)
  • 6.86%Retained earnings to average equity (YTD only)
  • 1.99%Net charge-offs to loans
  • 20.61%Credit loss provision to net charge-offs
  • 1.19%Efficiency ratio
  • 65,301Assets per employee
  • 4.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.89%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 63.88%Noncurrent assets plus other real estate owned to assets
  • 3.52%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 80.24%Net loans and leases to core deposits
  • 82.26%Equity capital to assets
  • 14.23%Core capital (leverage) ratio
  • 13.56%Tier 1 risk-based capital ratio
  • 21.54%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $123,189Average earning assets
  • $16,568Average equity
  • $109,540Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047254First National Bank Of Coffee County420 South Madison Avenue, Douglas, GA 31533September 23, 1991Full Service Brick and Mortar

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