FDIC Certificate #: 19457 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Capital City Bank (#9622) Federal Reserve ID: 173838 Date Established: June 19, 1918 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) OTS Docket #: 13725 FDIC's unique #: 13258 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: July 01, 1965 Last Structure Change Effective Date: November 03, 2001 Last Structure Change Process Date: January 30, 2002 Last Data Update: January 30, 2002 Data Source Date: April 05, 2012
Location
Address: First Street And First Avenue, N.E., Cairo, GA 31728 County: Grady 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
Financial Summary
Total assets: $125.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
41Total employees (full-time equivalent)
$119,263Total assets
$5,012Cash and due from depository institutions
$35Interest-bearing balances
$12,007Securities
$22,563Federal funds sold & reverse repurchase agreements
$74,695Net loans & leases
$1,598Loan loss allowance
$0Trading account assets
$1,825Bank premises and fixed assets
$44Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,117All other assets
$119,263Total liabilities and capital
$100,174Total liabilities
$97,154Total deposits
$85,101Interest-bearing deposits
$97,154Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,036Other borrowed funds
$0Subordinated debt
$1,984All other liabilities
$19,089Total equity capital
$19,089Total bank equity capital
$19,089Perpetual preferred stock
$0Common stock
$305Surplus
$420Undivided profits
Memoranda
$18,364Noncurrent loans and leases
$10,821Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$857Earning assets
$478Long-term assets (5+ years)
$1,780Average Assets, year-to-date
$109,300Average Assets, quarterly
$3,468Volatile liabilities
$113,239Insider loans
$115,628FHLB advances
$21,656Loans and leases held for sale
$113Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,821Total unused commitments
$0Restructured Loans and leases
$1,068Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$10,159Total interest income
$4,189Total interest expense
$5,970Net interest income
$240Provision for loan and lease losses
$516Total noninterest income
$0Fiduciary activities
$361Service charges on deposit accounts
$0Trading account gains & fees
$155Additional noninterest income
$3,501Total noninterest expense
$1,514Salaries and employee benefits
$475Premises and equipment expense
$1,512Additional noninterest expense
$2,745Pre-tax net operating income
$0Securities gains (losses)
$1,000Applicable income taxes
$1,745Income before extraordinary items
$0Extraordinary gains - net
$1,745Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$52Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.78%Yield on earning assets
4.03%Cost of funding earning assets
5.75%Net interest margin
0.50%Noninterest income to earning assets
3.37%Noninterest expense to earning assets
1.54%Net operating income to assets
1.54%Return on assets (ROA)
2.42%Pretax return on assets
9.64%Return on equity (ROE)
9.64%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
461.54%Credit loss provision to net charge-offs
57.40%Efficiency ratio
53,978Assets per employee
2.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.09%Loss allowance to noncurrent loans
186.46%Noncurrent assets plus other real estate owned to assets
0.76%Noncurrent loans to loans
1.12%Net loans and leases to deposits
76.88%Net loans and leases to core deposits
98.56%Equity capital to assets
16.01%Core capital (leverage) ratio
16.81%Tier 1 risk-based capital ratio
22.55%Total risk-based capital ratio
Memoranda
$24Average assets
$113,239Average earning assets
$18,095Average equity
$103,865Average loans
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