Flint Community Bank in Albany, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Flint Community Bank in Albany, Georgia (GA)
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Flint Community Bank - Overview

  • General
  • FDIC Certificate #: 58074
    Status: Active
    Federal Reserve ID: 3341393
    Bank Holding Company (Regulatory Top Holder): Flint Community Bancshares, Inc. (RSSDID: 3341656, Location: Albany, GA)
    Date Established: Febuary 03, 2006
    WWW: http://www.flintcommunitybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 438888
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 03, 2006
    Last Structure Change Effective Date: June 04, 2007
    Last Structure Change Process Date: October 04, 2007
    Last Data Update: October 04, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2910 Meredyth Drive, Albany, GA 31721
    County: Dougherty
    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
    Metropolitan Statistical Area (MSA): Albany, GA (#120)
    Core Based Statistical Area (CBSA): Albany, GA (#10500)
    CBSA Metro Statistical Area: Albany, GA (#10500)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $130.4 mil
    Equity capital: $10.9 mil
    Deposits held in domestic offices: $117.4 mil
    Return on assets (ROA): 0.71% ($0.9 mil)
    Quarterly return on assets: 0.71% ($0.9 mil)
    Return on Equity (ROE): 8.32% ($0.9 mil)
    Quarterly return on equity: 8.48% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.09% ($1,421.2 mil)
    Quarterly Pretax return on assets: 1.11% ($1,447.2 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
  • 26Total employees (full-time equivalent)
  • $130,382Total assets
  • $15,337Cash and due from depository institutions
  • $12,913Interest-bearing balances
  • $3,010Securities
  • $324Federal funds sold & reverse repurchase agreements
  • $106,280Net loans & leases
  • $1,453Loan loss allowance
  • $0Trading account assets
  • $3,466Bank premises and fixed assets
  • $264Other real estate owned
  • $0Goodwill and other intangibles
  • $130,382Life insurance assets
  • $1,701All other assets
  • $119,472Total liabilities and capital
  • $117,421Total liabilities
  • $101,050Total deposits
  • $117,421Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 1503.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $548Subordinated debt
  • $10,910All other liabilities
  • $10,910Total equity capital
  • $10,910Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $7,486Surplus
  • $-1,576Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,240Income earned, not collected on loans
  • $0Earning assets
  • $478Long-term assets (5+ years)
  • $122,527Average Assets, year-to-date
  • $8,025Average Assets, quarterly
  • $122,142Volatile liabilities
  • $129,137Insider loans
  • $93,713FHLB advances
  • $128,204Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,904Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,043Restructured Loans and leases
  • $6,523Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,095Total interest income
  • $1,575Total interest expense
  • $4,520Net interest income
  • $300Provision for loan and lease losses
  • $352Total noninterest income
  • $0Fiduciary activities
  • $125Service charges on deposit accounts
  • $0Trading account gains & fees
  • $227Additional noninterest income
  • $3,239Total noninterest expense
  • $1,887Salaries and employee benefits
  • $296Premises and equipment expense
  • $1,056Additional noninterest expense
  • $1,333Pre-tax net operating income
  • $0Securities gains (losses)
  • $463Applicable income taxes
  • $870Income before extraordinary items
  • $0Extraordinary gains - net
  • $870Net income attributable to bank
  • $0Net charge-offs
  • $870Cash dividends
  • $106Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 1.37%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 8.32%Return on equity (ROE)
  • 8.32%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 283.02%Credit loss provision to net charge-offs
  • 15.41%Efficiency ratio
  • 66,482Assets per employee
  • 5.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 64.87%Noncurrent assets plus other real estate owned to assets
  • 1.92%Noncurrent loans to loans
  • 2.08%Net loans and leases to deposits
  • 90.51%Net loans and leases to core deposits
  • 106.37%Equity capital to assets
  • 8.37%Core capital (leverage) ratio
  • 8.51%Tier 1 risk-based capital ratio
  • 11.64%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $122,142Average earning assets
  • $10,459Average equity
  • $114,852Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0438888Flint Community Bank2910 Meredyth Drive, Albany, GA 31721Febuary 03, 2006Full Service Brick and Mortar
    1463197Courier Service112 North Westover Boulevard, Albany, GA 31707Febuary 03, 2006Limited Service Messenger

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