Planters and Citizens Bank in Camilla, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Planters and Citizens Bank in Camilla, Georgia (GA)
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Planters and Citizens Bank - Overview

  • General
  • FDIC Certificate #: 10072
    Status: Active
    Federal Reserve ID: 132938
    Bank Holding Company (Regulatory Top Holder): P & C Bank Shares, Inc. (RSSDID: 1081529, Location: Camilla, GA)
    Date Established: May 24, 1913
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14305
    FDIC's unique #: 6440
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 21 North Harney Street, 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: $95.4 mil
    Equity capital: $10.3 mil
    Deposits held in domestic offices: $84.6 mil
    Return on assets (ROA): 0.66% ($0.6 mil)
    Quarterly return on assets: 0.86% ($0.8 mil)
    Return on Equity (ROE): 5.96% ($0.6 mil)
    Quarterly return on equity: 7.70% ($0.8 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.68% ($648.7 mil)
    Quarterly Pretax return on assets: 0.75% ($715.5 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, 2011)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $95,396Total assets
  • $40,423Cash and due from depository institutions
  • $31,025Interest-bearing balances
  • $19,963Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $31,494Net loans & leases
  • $968Loan loss allowance
  • $0Trading account assets
  • $1,325Bank premises and fixed assets
  • $382Other real estate owned
  • $0Goodwill and other intangibles
  • $95,395Life insurance assets
  • $1,809All other assets
  • $85,074Total liabilities and capital
  • $84,623Total liabilities
  • $54,214Total deposits
  • $84,623Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $451Subordinated debt
  • $10,321All other liabilities
  • $10,321Total equity capital
  • $10,321Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $5,750Surplus
  • $4,321Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $63Income earned, not collected on loans
  • $34Earning assets
  • $636Long-term assets (5+ years)
  • $82,482Average Assets, year-to-date
  • $9,791Average Assets, quarterly
  • $91,103Volatile liabilities
  • $91,959Insider loans
  • $47,499FHLB advances
  • $93,923Loans and leases held for sale
  • $147Unused loan commitments
  • $147Tier 1 (core) risk-based capital
  • $10,174Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,484Restructured Loans and leases
  • $800Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,338Total interest income
  • $634Total interest expense
  • $2,704Net interest income
  • $90Provision for loan and lease losses
  • $613Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $255Additional noninterest income
  • $2,613Total noninterest expense
  • $1,429Salaries and employee benefits
  • $267Premises and equipment expense
  • $917Additional noninterest expense
  • $614Pre-tax net operating income
  • $3Securities gains (losses)
  • $18Applicable income taxes
  • $599Income before extraordinary items
  • $0Extraordinary gains - net
  • $599Net income attributable to bank
  • $0Net charge-offs
  • $599Cash dividends
  • $15Sale, conversion, retirement of capital stock, net
  • $298Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.35%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 5.96%Return on equity (ROE)
  • 2.99%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 600.00%Credit loss provision to net charge-offs
  • 46.93%Efficiency ratio
  • 78,776Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.75%Loss allowance to loans
  • 2.98%Loss allowance to noncurrent loans
  • 1536.51%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 37.22%Net loans and leases to core deposits
  • 39.49%Equity capital to assets
  • 10.82%Core capital (leverage) ratio
  • 10.83%Tier 1 risk-based capital ratio
  • 21.42%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $91,103Average earning assets
  • $10,056Average equity
  • $76,765Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06440Planters And Citizens Bank21 North Harney Street, Camilla, GA 31730May 24, 1913Full Service Brick and Mortar

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