Hamilton State Bank in Hoschton, Georgia (GA)

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Hamilton State Bank
GeneralFDIC Certificate #: 57810
Status: Active
Federal Reserve ID: 3294583
Bank Holding Company (Regulatory Top Holder): Hamilton State Bancshares, Inc. (RSSDID: 3392331, Location: Hoschton, GA)
Date Established: September 20, 2004
WWW: http://www.hamiltonstatebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 22 (Domestic: 15, Interstate: No)
FDIC's unique #: 426497
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: September 20, 2004
Last Structure Change Effective Date: January 20, 2012
Last Structure Change Process Date: January 23, 2012
Last Data Update: January 23, 2012
Data Source Date: April 05, 2012
LocationAddress: 1907 Highway 211, Hoschton, GA 30548
County: Barrow
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
History of ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal assets: $909.1 mil
Equity capital: $147.5 mil
Deposits held in domestic offices: $727.5 mil
Return on assets (ROA): 1.21% ($11.0 mil)
Quarterly return on assets: -1.39% (-$12.6 mil)
Return on Equity (ROE): 7.21% ($10.7 mil)
Quarterly return on equity: -8.52% (-$12.6 mil)
Net income: $8.0 mil
Quarterly Net income: -$3.2 mil
Pretax return on assets: 1.95% ($17,728.0 mil)
Quarterly Pretax return on assets: -2.24% (-$20,364.4 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)220
Total assets$909,126
Cash and due from depository institutions$229,491
Interest-bearing balances$224,379
Federal funds sold & reverse repurchase agreements$10,162
Net loans & leases$424,858
Loan loss allowance $3,145
Trading account assets$0
Bank premises and fixed assets$6,455
Other real estate owned$41,625
Goodwill and other intangibles$13,805
All other assets$107,080
Life insurance assets$909,126
Total liabilities and capital$761,626
Total liabilities$727,509
Total deposits$699,978
Interest-bearing deposits$727,509
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$29,551
Other borrowed funds $0
Subordinated debt $4,566
All other liabilities $147,500
Total equity capital$147,500
Total bank equity capital$147,500
Perpetual preferred stock$0
Common stock$5
Undivided profits $3,857
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 $88,939
Earning assets $0
Long-term assets (5+ years) $1,930
Average Assets, year-to-date $735,049
Average Assets, quarterly $97,507
Volatile liabilities $661,496
Insider loans $915,495
FHLB advances $284,654
Loans and leases held for sale $911,591
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $120,303
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $41,677
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $27,880
Total interest expense $5,495
Net interest income $22,385
Provision for loan and lease losses $8,302
Total noninterest income $23,549
Fiduciary activities $0
Service charges on deposit accounts $2,027
Trading account gains & fees $0
Additional noninterest income $21,522
Total noninterest expense $25,362
Salaries and employee benefits $12,428
Premises and equipment expense $3,018
Additional noninterest expense $9,916
Pre-tax net operating income $12,270
Securities gains (losses) $604
Applicable income taxes $4,892
Income before extraordinary items $7,982
Extraordinary gains - net $0
Net income attributable to bank $7,982
Net charge-offs $0
Cash dividends $7,982
Sale, conversion, retirement of capital stock, net $8,523
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 assets5.16%
Cost of funding earning assets 1.02%
Net interest margin 4.14%
Noninterest income to earning assets 4.35%
Noninterest expense to earning assets 4.69%
Net operating income to assets 1.15%
Return on assets (ROA) 1.21%
Pretax return on assets 1.95%
Return on equity (ROE) 7.21%
Retained earnings to average equity (YTD only) 7.21%
Net charge-offs to loans 2.48%
Credit loss provision to net charge-offs 97.41%
Efficiency ratio2.41%
Assets per employee$54,073
Cash dividends to net income (YTD only)4.13%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.73%
Noncurrent assets plus other real estate owned to assets 3.54%
Noncurrent loans to loans 14.36%
Net loans and leases to deposits20.78%
Net loans and leases to core deposits 58.40%
Equity capital to assets 61.22%
Core capital (leverage) ratio 16.22%
Tier 1 risk-based capital ratio 13.20%
Total risk-based capital ratio 42.26%
Average assets$43
Average earning assets$661,496
Average equity $110,761
Average loans $540,823
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22 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0426497Hamilton State Bank1907 Highway 211, Hoschton, GA 30548September 20, 2004Full Service Brick and Mortar
1432609Gainesville Branch854 Washington Street, Gainesville, GA 30501September 20, 2004Full Service Brick and Mortar
3191647Jefferson Branch1596 Washington Street, Jefferson, GA 30549May 03, 1979Full Service Brick and Mortar
4191649Hoschton Branch3528 Highway 53, Hoschton, GA 30548March 02, 1987Full Service Brick and Mortar
6472621Oakwood Branch3458 Winder Highway, Suite 110, Flowery Branch, GA 30542March 03, 2008Full Service Brick and Mortar
7472623Messenger Service1908 Highway 211, Hoschton, GA 30548September 20, 2004Limited Service Messenger
8440764Cumming Branch108 Canton Road, Cumming, GA 30040Febuary 09, 2006Full Service Brick and Mortar
914867Bartow County Bank Branch301 East Church Street, Cartersville, GA 30120March 28, 1974Full Service Brick and Mortar
10252959North Corners Branch922 Joe Frank Harris Parkway, Cartersville, GA 30120December 14, 1989Full Service Brick and Mortar
11359707Chulio Commons Mall Branch12 Euharlee Road, Suite A, Cartersville, GA 30120April 03, 2001Full Service Brick and Mortar
12464803Acworth Branch5895 Jeff Davis Lane, Nw, Acworth, GA 30101March 19, 2007Full Service Brick and Mortar
1313053Mcintosh State Bank Branch210 South Oak Street, Jackson, GA 30233September 18, 1964Full Service Brick and Mortar
141417Monticello Branch208 East Green Street, Monticello, GA 31064September 10, 1906Full Service Brick and Mortar
15356701Locust Grove Branch Office3796 Highway 42, Locust Grove, GA 30248May 01, 2000Full Service Brick and Mortar
17442957Mcdonough Office Branch1100 Keys Ferry Court, Mcdonough, GA 30253April 01, 2005Full Service Brick and Mortar
1813067The First State Bank Branch4806 North Henry Boulevard, Stockbridge, GA 30281October 08, 1964Full Service Brick and Mortar
19247750Fairview Branch295 Fairview Road, Ellenwood, GA 30294October 31, 1977Full Service Brick and Mortar
20247751Mcdonough Branch114 John Frank Ward Boulevard, Mcdonough, GA 30253August 17, 1981Full Service Brick and Mortar
21247752Hudson Bridge Road Branch1810 Hudson Bridge Road, Stockbridge, GA 30281September 01, 1994Full Service Brick and Mortar
22247753Locust Grove Branch4979 Bill Gardner Pkwy., Locust Grove, GA 30248October 01, 1994Full Service Brick and Mortar
23364099Crumbley Road Branch2318 Highway 155, Mcdonough, GA 30252March 12, 2002Full Service Brick and Mortar
24461351Highway 81 Branch1908 Highway 81 East, Mcdonough, GA 30253March 19, 2007Full Service Brick and Mortar
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