FDIC Certificate #: 57694 Status: Active Federal Reserve ID: 3232370 Bank Holding Company (Regulatory Top Holder): Bainbridge Bancshares, Inc. (RSSDID: 3232361, Location: Bainbridge, GA) Date Established: April 05, 2004 WWW:http://www.fnbdc.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) FDIC's unique #: 419971 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: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: April 05, 2004 Last Structure Change Effective Date: August 24, 2009 Last Structure Change Process Date: August 24, 2009 Last Data Update: August 24, 2009 Data Source Date: April 05, 2012
Location
Address: 819 E. Shotwell Street, Bainbridge, GA 39818 County: Decatur 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): Bainbridge, GA (#12460) CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $124.4 mil Equity capital: $13.4 mil Deposits held in domestic offices: $105.5 mil Return on assets (ROA): 0.79% ($1.0 mil) Quarterly return on assets: 2.50% ($3.1 mil) Return on Equity (ROE): 7.03% ($0.9 mil) Quarterly return on equity: 22.34% ($2.9 mil) Net income: $0.9 mil Quarterly Net income: $0.7 mil Pretax return on assets: 1.06% ($1,318.6 mil) Quarterly Pretax return on assets: 3.21% ($3,993.1 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$124,397Total assets
$9,286Cash and due from depository institutions
$1,499Interest-bearing balances
$33,539Securities
$21,280Federal funds sold & reverse repurchase agreements
$55,448Net loans & leases
$1,501Loan loss allowance
$0Trading account assets
$2,445Bank premises and fixed assets
$220Other real estate owned
$0Goodwill and other intangibles
$124,397Life insurance assets
$2,179All other assets
$111,040Total liabilities and capital
$105,486Total liabilities
$88,392Total deposits
$105,486Interest-bearing deposits
$71Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,000Trading liabilities
$0Other borrowed funds
$554Subordinated debt
$13,357All other liabilities
$13,357Total equity capital
$13,357Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$7,380Surplus
$3,477Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,726Income earned, not collected on loans
$0Earning assets
$711Long-term assets (5+ years)
$111,766Average Assets, year-to-date
$32,274Average Assets, quarterly
$110,070Volatile liabilities
$116,215Insider loans
$65,198FHLB advances
$105,146Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,844Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,572Restructured Loans and leases
$5,816Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,511Total interest income
$1,316Total interest expense
$4,195Net interest income
$1,124Provision for loan and lease losses
$307Total noninterest income
$0Fiduciary activities
$201Service charges on deposit accounts
$0Trading account gains & fees
$106Additional noninterest income
$2,300Total noninterest expense
$1,008Salaries and employee benefits
$299Premises and equipment expense
$993Additional noninterest expense
$1,078Pre-tax net operating income
$87Securities gains (losses)
$298Applicable income taxes
$867Income before extraordinary items
$0Extraordinary gains - net
$867Net income attributable to bank
$0Net charge-offs
$867Cash dividends
$1,066Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.48%Yield on earning assets
1.31%Cost of funding earning assets
4.17%Net interest margin
0.31%Noninterest income to earning assets
2.29%Noninterest expense to earning assets
0.73%Net operating income to assets
0.79%Return on assets (ROA)
1.06%Pretax return on assets
7.03%Return on equity (ROE)
7.03%Retained earnings to average equity (YTD only)
1.67%Net charge-offs to loans
105.44%Credit loss provision to net charge-offs
2.07%Efficiency ratio
51,088Assets per employee
7.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.64%Loss allowance to noncurrent loans
55.06%Noncurrent assets plus other real estate owned to assets
2.37%Noncurrent loans to loans
4.79%Net loans and leases to deposits
52.56%Net loans and leases to core deposits
59.56%Equity capital to assets
10.74%Core capital (leverage) ratio
12.22%Tier 1 risk-based capital ratio
19.70%Total risk-based capital ratio
Memoranda
$21Average assets
$110,070Average earning assets
$12,328Average equity
$100,565Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
419971
First National Bank Of Decatur Count
819 E. Shotwell Street, Bainbridge, GA 39818
April 05, 2004
Full Service Brick and Mortar
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