McIntosh State Bank in Jackson, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 17, 2011

McIntosh State Bank - Overview

  • General
  • FDIC Certificate #: 19237
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Hamilton State Bank (#57810)
    Federal Reserve ID: 569534
    Date Established: September 18, 1964
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 11571
    FDIC's unique #: 13053
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 18, 1964
    Last Structure Change Effective Date: June 17, 2011
    Last Structure Change Process Date: June 20, 2011
    Last Data Update: June 20, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 South Oak Street, Jackson, GA 30233
    County: Butts
    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
    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)
  • Financial Summary
  • Total assets: $339.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)

  • Dollar figures in thousands
  • 82Total employees (full-time equivalent)
  • $341,701Total assets
  • $43,894Cash and due from depository institutions
  • $37,169Interest-bearing balances
  • $38,772Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $223,436Net loans & leases
  • $9,759Loan loss allowance
  • $0Trading account assets
  • $6,244Bank premises and fixed assets
  • $25,866Other real estate owned
  • $0Goodwill and other intangibles
  • $241Life insurance assets
  • $3,489All other assets
  • $341,701Total liabilities and capital
  • $334,345Total liabilities
  • $321,314Total deposits
  • $290,138Interest-bearing deposits
  • $321,314Deposits held in domestic offices
  • 91.77%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,200Other borrowed funds
  • $0Subordinated debt
  • $1,831All other liabilities
  • $7,356Total equity capital
  • $7,356Total bank equity capital
  • $7,356Perpetual preferred stock
  • $0Common stock
  • $949Surplus
  • $23,551Undivided profits
  • Memoranda
  • $-17,144Noncurrent loans and leases
  • $12,153Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $56,978Earning assets
  • $0Long-term assets (5+ years)
  • $895Average Assets, year-to-date
  • $299,377Average Assets, quarterly
  • $28,224Volatile liabilities
  • $374,302Insider loans
  • $345,127FHLB advances
  • $93,001Loans and leases held for sale
  • $2,357Unused loan commitments
  • $11,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,153Total unused commitments
  • $7,965Restructured Loans and leases
  • $3,136Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $14,329Total interest income
  • $6,467Total interest expense
  • $7,862Net interest income
  • $8,623Provision for loan and lease losses
  • $1,873Total noninterest income
  • $0Fiduciary activities
  • $2,340Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$467Additional noninterest income
  • $13,796Total noninterest expense
  • $5,327Salaries and employee benefits
  • $1,491Premises and equipment expense
  • $6,978Additional noninterest expense
  • -$12,684Pre-tax net operating income
  • $596Securities gains (losses)
  • $0Applicable income taxes
  • -$12,088Income before extraordinary items
  • $0Extraordinary gains - net
  • -$12,088Net income attributable to bank
  • $0Net charge-offs
  • -$12,088Cash dividends
  • $6,508Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 1.97%Cost of funding earning assets
  • 2.40%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • -3.39%Net operating income to assets
  • -3.23%Return on assets (ROA)
  • -3.23%Pretax return on assets
  • -103.52%Return on equity (ROE)
  • -103.52%Retained earnings to average equity (YTD only)
  • 2.58%Net charge-offs to loans
  • 132.50%Credit loss provision to net charge-offs
  • -0.62%Efficiency ratio
  • 141,715Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.18%Loss allowance to noncurrent loans
  • 17.13%Noncurrent assets plus other real estate owned to assets
  • 24.24%Noncurrent loans to loans
  • 24.43%Net loans and leases to deposits
  • 69.54%Net loans and leases to core deposits
  • 97.86%Equity capital to assets
  • 2.15%Core capital (leverage) ratio
  • 2.10%Tier 1 risk-based capital ratio
  • 2.98%Total risk-based capital ratio
  • Memoranda
  • $4Average assets
  • $374,302Average earning assets
  • $11,677Average equity
  • $327,638Average loans

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