Planters and Citizens Bank in Camilla, Georgia (GA)

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Planters and Citizens Bank routing number info

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Planters and Citizens Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)23
Total assets$95,396
Cash and due from depository institutions$40,423
Interest-bearing balances$31,025
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$31,494
Loan loss allowance $968
Trading account assets$0
Bank premises and fixed assets$1,325
Other real estate owned$382
Goodwill and other intangibles$0
All other assets$1,809
Life insurance assets$95,395
Total liabilities and capital$85,074
Total liabilities$84,623
Total deposits$54,214
Interest-bearing deposits$84,623
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $451
All other liabilities $10,321
Total equity capital$10,321
Total bank equity capital$10,321
Perpetual preferred stock$0
Common stock$250
Undivided profits $4,321
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 $63
Earning assets $34
Long-term assets (5+ years) $636
Average Assets, year-to-date $82,482
Average Assets, quarterly $9,791
Volatile liabilities $91,103
Insider loans $91,959
FHLB advances $47,499
Loans and leases held for sale $93,923
Unused loan commitments $147
Tier 1 (core) risk-based capital $147
Tier 2 risk-based capital $10,174
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,484
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,338
Total interest expense $634
Net interest income $2,704
Provision for loan and lease losses $90
Total noninterest income $613
Fiduciary activities $0
Service charges on deposit accounts $358
Trading account gains & fees $0
Additional noninterest income $255
Total noninterest expense $2,613
Salaries and employee benefits $1,429
Premises and equipment expense $267
Additional noninterest expense $917
Pre-tax net operating income $614
Securities gains (losses) $3
Applicable income taxes $18
Income before extraordinary items $599
Extraordinary gains - net $0
Net income attributable to bank $599
Net charge-offs $0
Cash dividends $599
Sale, conversion, retirement of capital stock, net $15
Net operating income $298
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.35%
Cost of funding earning assets 0.83%
Net interest margin 3.52%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 3.40%
Net operating income to assets 0.65%
Return on assets (ROA) 0.66%
Pretax return on assets 0.68%
Return on equity (ROE) 5.96%
Retained earnings to average equity (YTD only) 2.99%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 600.00%
Efficiency ratio46.93%
Assets per employee$78,776
Cash dividends to net income (YTD only)4.15%
Condition Ratios (%)
Loss allowance to loans 49.75%
Loss allowance to noncurrent loans 2.98%
Noncurrent assets plus other real estate owned to assets 1536.51%
Noncurrent loans to loans 0.47%
Net loans and leases to deposits0.19%
Net loans and leases to core deposits 37.22%
Equity capital to assets 39.49%
Core capital (leverage) ratio 10.82%
Tier 1 risk-based capital ratio 10.83%
Total risk-based capital ratio 21.42%
Average assets$23
Average earning assets$91,103
Average equity $10,056
Average loans $76,765
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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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