Flint River National Bank in Camilla, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Flint River National Bank in Camilla, Georgia (GA)
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Flint River National Bank - Overview

  • General
  • FDIC Certificate #: 57786
    Status: Active
    Federal Reserve ID: 3266487
    Bank Holding Company (Regulatory Top Holder): Flint River Bancshares, Inc. (RSSDID: 3266496, Location: Camilla, GA)
    Date Established: September 08, 2004
    WWW: http://www.frnb.net
    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 #: 424632
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 08, 2004
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 260 U.S. Highway 19 North, Camilla, GA 31730
    County: Mitchell
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $27.0 mil
    Equity capital: $2.8 mil
    Deposits held in domestic offices: $24.2 mil
    Return on assets (ROA): -0.92% (-$0.2 mil)
    Quarterly return on assets: 0.44% ($0.1 mil)
    Return on Equity (ROE): -8.67% (-$0.3 mil)
    Quarterly return on equity: 4.18% ($0.1 mil)
    Net income: -$0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.92% (-$248.6 mil)
    Quarterly Pretax return on assets: 0.44% ($118.9 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
  • 9Total employees (full-time equivalent)
  • $27,019Total assets
  • $4,090Cash and due from depository institutions
  • $443Interest-bearing balances
  • $676Securities
  • $2,281Federal funds sold & reverse repurchase agreements
  • $17,879Net loans & leases
  • $432Loan loss allowance
  • $0Trading account assets
  • $1,064Bank premises and fixed assets
  • $509Other real estate owned
  • $0Goodwill and other intangibles
  • $27,019Life insurance assets
  • $520All other assets
  • $24,235Total liabilities and capital
  • $24,188Total liabilities
  • $18,804Total deposits
  • $24,188Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $47Subordinated debt
  • $2,784All other liabilities
  • $2,784Total equity capital
  • $2,784Total bank equity capital
  • $0Perpetual preferred stock
  • $2,650Common stock
  • $3,500Surplus
  • $-3,366Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,343Income earned, not collected on loans
  • $0Earning assets
  • $227Long-term assets (5+ years)
  • $21,279Average Assets, year-to-date
  • $4,353Average Assets, quarterly
  • $27,359Volatile liabilities
  • $26,525Insider loans
  • $19,824FHLB advances
  • $25,310Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,739Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,635Restructured Loans and leases
  • $390Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,274Total interest income
  • $237Total interest expense
  • $1,037Net interest income
  • $98Provision for loan and lease losses
  • $58Total noninterest income
  • $0Fiduciary activities
  • $54Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $1,248Total noninterest expense
  • $474Salaries and employee benefits
  • $135Premises and equipment expense
  • $639Additional noninterest expense
  • -$251Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$251Income before extraordinary items
  • $0Extraordinary gains - net
  • -$251Net income attributable to bank
  • $0Net charge-offs
  • -$251Cash dividends
  • $120Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.35%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 5.23%Noninterest expense to earning assets
  • -0.92%Net operating income to assets
  • -0.92%Return on assets (ROA)
  • -0.92%Pretax return on assets
  • -8.67%Return on equity (ROE)
  • -8.67%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 81.67%Credit loss provision to net charge-offs
  • -1.27%Efficiency ratio
  • 113,973Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 18.44%Noncurrent assets plus other real estate owned to assets
  • 10.56%Noncurrent loans to loans
  • 12.80%Net loans and leases to deposits
  • 73.92%Net loans and leases to core deposits
  • 100.83%Equity capital to assets
  • 10.30%Core capital (leverage) ratio
  • 10.82%Tier 1 risk-based capital ratio
  • 13.82%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $27,359Average earning assets
  • $2,895Average equity
  • $23,842Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0424632Flint River National Bank260 U.S. Highway 19 North, Camilla, GA 31730September 08, 2004Full Service Brick and Mortar

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