Hamilton State Bank in Hoschton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Hamilton State Bank in Hoschton, Georgia (GA)
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Hamilton State Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 220Total employees (full-time equivalent)
  • $909,126Total assets
  • $229,491Cash and due from depository institutions
  • $224,379Interest-bearing balances
  • $75,650Securities
  • $10,162Federal funds sold & reverse repurchase agreements
  • $424,858Net loans & leases
  • $3,145Loan loss allowance
  • $0Trading account assets
  • $6,455Bank premises and fixed assets
  • $41,625Other real estate owned
  • $13,805Goodwill and other intangibles
  • $909,126Life insurance assets
  • $107,080All other assets
  • $761,626Total liabilities and capital
  • $727,509Total liabilities
  • $699,978Total deposits
  • $727,509Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,551Trading liabilities
  • $0Other borrowed funds
  • $4,566Subordinated debt
  • $147,500All other liabilities
  • $147,500Total equity capital
  • $147,500Total bank equity capital
  • $0Perpetual preferred stock
  • $5Common stock
  • $143,638Surplus
  • $3,857Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $88,939Income earned, not collected on loans
  • $0Earning assets
  • $1,930Long-term assets (5+ years)
  • $735,049Average Assets, year-to-date
  • $97,507Average Assets, quarterly
  • $661,496Volatile liabilities
  • $915,495Insider loans
  • $284,654FHLB advances
  • $911,591Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $120,303Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $41,677Restructured Loans and leases
  • $3,203Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,880Total interest income
  • $5,495Total interest expense
  • $22,385Net interest income
  • $8,302Provision for loan and lease losses
  • $23,549Total noninterest income
  • $0Fiduciary activities
  • $2,027Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21,522Additional noninterest income
  • $25,362Total noninterest expense
  • $12,428Salaries and employee benefits
  • $3,018Premises and equipment expense
  • $9,916Additional noninterest expense
  • $12,270Pre-tax net operating income
  • $604Securities gains (losses)
  • $4,892Applicable income taxes
  • $7,982Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,982Net income attributable to bank
  • $0Net charge-offs
  • $7,982Cash dividends
  • $8,523Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.14%Net interest margin
  • 4.35%Noninterest income to earning assets
  • 4.69%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 7.21%Return on equity (ROE)
  • 7.21%Retained earnings to average equity (YTD only)
  • 2.48%Net charge-offs to loans
  • 97.41%Credit loss provision to net charge-offs
  • 2.41%Efficiency ratio
  • 54,073Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 3.54%Noncurrent assets plus other real estate owned to assets
  • 14.36%Noncurrent loans to loans
  • 20.78%Net loans and leases to deposits
  • 58.40%Net loans and leases to core deposits
  • 61.22%Equity capital to assets
  • 16.22%Core capital (leverage) ratio
  • 13.20%Tier 1 risk-based capital ratio
  • 42.26%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $661,496Average earning assets
  • $110,761Average equity
  • $540,823Average loans

List of branches

  • 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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