First State Bank of Randolph County in city_name, state_name

First State Bank of Randolph County in Cuthbert, Georgia (GA)
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First State Bank of Randolph County routing number info

First State Bank of Randolph County - Overview

General
FDIC Certificate #: 2157
Status: Active
Federal Reserve ID: 140634
Date Established: October 03, 1900
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 13867
FDIC's unique #: 1426
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: June 21, 2011
Last Data Update: June 21, 2011
Data Source Date: April 05, 2012
Location
Address: 81 Court Street, Cuthbert, GA 39840
County: Randolph
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
History of Changes
Corrections
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $65.6 mil
Equity capital: $6.4 mil
Deposits held in domestic offices: $58.6 mil
Return on assets (ROA): 0.84% ($0.6 mil)
Quarterly return on assets: 1.38% ($0.9 mil)
Return on Equity (ROE): 8.21% ($0.5 mil)
Quarterly return on equity: 13.27% ($0.8 mil)
Net income: $0.5 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.84% ($550.8 mil)
Quarterly Pretax return on assets: 1.38% ($904.8 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
20Total employees (full-time equivalent)
$65,567Total assets
$5,434Cash and due from depository institutions
$0Interest-bearing balances
$20,536Securities
$6,510Federal funds sold & reverse repurchase agreements
$30,946Net loans & leases
$607Loan loss allowance
$0Trading account assets
$294Bank premises and fixed assets
$661Other real estate owned
$0Goodwill and other intangibles
$65,568Life insurance assets
$1,186All other assets
$59,176Total liabilities and capital
$58,592Total liabilities
$43,792Total deposits
$58,592Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$360Trading liabilities
$0Other borrowed funds
$224Subordinated debt
$6,392All other liabilities
$6,392Total equity capital
$6,392Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$5,500Surplus
$692Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,159Income earned, not collected on loans
$0Earning assets
$629Long-term assets (5+ years)
$57,992Average Assets, year-to-date
$23,777Average Assets, quarterly
$59,661Volatile liabilities
$62,708Insider loans
$40,309FHLB advances
$60,448Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,224Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,024Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,681Total interest income
$654Total interest expense
$2,027Net interest income
$88Provision for loan and lease losses
$332Total noninterest income
$0Fiduciary activities
$265Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$1,956Total noninterest expense
$1,000Salaries and employee benefits
$171Premises and equipment expense
$785Additional noninterest expense
$315Pre-tax net operating income
$186Securities gains (losses)
$0Applicable income taxes
$501Income before extraordinary items
$0Extraordinary gains - net
$501Net income attributable to bank
$0Net charge-offs
$501Cash dividends
$164Sale, conversion, retirement of capital stock, net
$200Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
1.23%Cost of funding earning assets
3.81%Net interest margin
0.62%Noninterest income to earning assets
3.68%Noninterest expense to earning assets
0.53%Net operating income to assets
0.84%Return on assets (ROA)
0.84%Pretax return on assets
8.21%Return on equity (ROE)
4.93%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
53.66%Credit loss provision to net charge-offs
2.46%Efficiency ratio
82,916Assets per employee
3.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.92%Loss allowance to loans
1.92%Loss allowance to noncurrent loans
52.37%Noncurrent assets plus other real estate owned to assets
2.78%Noncurrent loans to loans
3.67%Net loans and leases to deposits
52.82%Net loans and leases to core deposits
53.71%Equity capital to assets
9.75%Core capital (leverage) ratio
10.30%Tier 1 risk-based capital ratio
15.44%Total risk-based capital ratio
Memoranda
$17Average assets
$59,661Average earning assets
$6,100Average equity
$53,187Average loans

List of branches

2 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	1426	First State Bank Of Randolph County	81 Court Street, Cuthbert, GA 39840	October 03, 1900	Full Service Brick and Mortar
1	192015	Shellman Branch	121 East Railroad Street, Shellman, GA 39886	March 19, 1973	Full Service Brick and Mortar

First State Bank of Randolph County in Cuthbert, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Randolph County - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank of Randolph County in Cuthbert, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Randolph County - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank of Randolph County in Cuthbert, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches