Flint Community Bank in Albany, Georgia (GA)



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Flint Community Bank routing number info

Table of contents:
Flint Community Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)26
Total assets$130,382
Cash and due from depository institutions$15,337
Interest-bearing balances$12,913
Securities$3,010
Federal funds sold & reverse repurchase agreements$324
Net loans & leases$106,280
Loan loss allowance $1,453
Trading account assets$0
Bank premises and fixed assets$3,466
Other real estate owned$264
Goodwill and other intangibles$0
All other assets$1,701
Life insurance assets$130,382
Total liabilities and capital$119,472
Total liabilities$117,421
Total deposits$101,050
Interest-bearing deposits$117,421
Deposits held in domestic offices$99
% insured (estimated)1503.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $548
All other liabilities $10,910
Total equity capital$10,910
Total bank equity capital$10,910
Perpetual preferred stock$0
Common stock$5,000
Surplus$7,486
Undivided profits $-1,576
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,240
Earning assets $0
Long-term assets (5+ years) $478
Average Assets, year-to-date $122,527
Average Assets, quarterly $8,025
Volatile liabilities $122,142
Insider loans $129,137
FHLB advances $93,713
Loans and leases held for sale $128,204
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,904
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $11,043
Derivatives$6,523
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,095
Total interest expense $1,575
Net interest income $4,520
Provision for loan and lease losses $300
Total noninterest income $352
Fiduciary activities $0
Service charges on deposit accounts $125
Trading account gains & fees $0
Additional noninterest income $227
Total noninterest expense $3,239
Salaries and employee benefits $1,887
Premises and equipment expense $296
Additional noninterest expense $1,056
Pre-tax net operating income $1,333
Securities gains (losses) $0
Applicable income taxes $463
Income before extraordinary items $870
Extraordinary gains - net $0
Net income attributable to bank $870
Net charge-offs $0
Cash dividends $870
Sale, conversion, retirement of capital stock, net $106
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.31%
Cost of funding earning assets 1.37%
Net interest margin 3.94%
Noninterest income to earning assets 0.31%
Noninterest expense to earning assets 2.82%
Net operating income to assets 0.71%
Return on assets (ROA) 0.71%
Pretax return on assets 1.09%
Return on equity (ROE) 8.32%
Retained earnings to average equity (YTD only) 8.32%
Net charge-offs to loans 0.11%
Credit loss provision to net charge-offs 283.02%
Efficiency ratio15.41%
Assets per employee$66,482
Cash dividends to net income (YTD only)5.01%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.35%
Noncurrent assets plus other real estate owned to assets 64.87%
Noncurrent loans to loans 1.92%
Net loans and leases to deposits2.08%
Net loans and leases to core deposits 90.51%
Equity capital to assets 106.37%
Core capital (leverage) ratio 8.37%
Tier 1 risk-based capital ratio 8.51%
Total risk-based capital ratio 11.64%
Memoranda
Average assets$13
Average earning assets$122,142
Average equity $10,459
Average loans $114,852
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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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