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


Rochelle State Bank - Overview

  • General
  • FDIC Certificate #: 16609
    Status: Active
    Federal Reserve ID: 649632
    Date Established: January 01, 1934
    WWW: http://www.rochellestatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 10751
    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: August 01, 1947
    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: Ashley Street And Second Avenue, Rochelle, GA 31079
    County: Wilcox
    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: $27.6 mil
    Equity capital: $4.1 mil
    Deposits held in domestic offices: $23.2 mil
    Return on assets (ROA): 0.81% ($0.2 mil)
    Quarterly return on assets: 0.33% ($0.1 mil)
    Return on Equity (ROE): 5.30% ($0.2 mil)
    Quarterly return on equity: 2.13% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.99% ($273.1 mil)
    Quarterly Pretax return on assets: 0.36% ($99.3 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
  • 5Total employees (full-time equivalent)
  • $27,584Total assets
  • $2,997Cash and due from depository institutions
  • $0Interest-bearing balances
  • $11,945Securities
  • $4,100Federal funds sold & reverse repurchase agreements
  • $8,031Net loans & leases
  • $211Loan loss allowance
  • $0Trading account assets
  • $171Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $27,584Life insurance assets
  • $340All other assets
  • $23,468Total liabilities and capital
  • $23,201Total liabilities
  • $20,541Total deposits
  • $23,201Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $267Subordinated debt
  • $4,116All other liabilities
  • $4,116Total equity capital
  • $4,116Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $2,400Surplus
  • $716Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $566Income earned, not collected on loans
  • $0Earning assets
  • $257Long-term assets (5+ years)
  • $24,076Average Assets, year-to-date
  • $11,790Average Assets, quarterly
  • $25,583Volatile liabilities
  • $26,674Insider loans
  • $12,264FHLB advances
  • $26,106Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,759Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $686Restructured Loans and leases
  • $659Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,034Total interest income
  • $234Total interest expense
  • $800Net interest income
  • $12Provision for loan and lease losses
  • $150Total noninterest income
  • $0Fiduciary activities
  • $120Service charges on deposit accounts
  • $0Trading account gains & fees
  • $30Additional noninterest income
  • $820Total noninterest expense
  • $355Salaries and employee benefits
  • $67Premises and equipment expense
  • $398Additional noninterest expense
  • $118Pre-tax net operating income
  • $134Securities gains (losses)
  • $44Applicable income taxes
  • $208Income before extraordinary items
  • $0Extraordinary gains - net
  • $208Net income attributable to bank
  • $0Net charge-offs
  • $208Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $8Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 5.30%Return on equity (ROE)
  • 5.10%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 92.31%Credit loss provision to net charge-offs
  • 10.00%Efficiency ratio
  • 86,316Assets per employee
  • 5.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.85%Loss allowance to loans
  • 2.56%Loss allowance to noncurrent loans
  • 37.28%Noncurrent assets plus other real estate owned to assets
  • 2.05%Noncurrent loans to loans
  • 6.87%Net loans and leases to deposits
  • 34.61%Net loans and leases to core deposits
  • 35.77%Equity capital to assets
  • 14.92%Core capital (leverage) ratio
  • 14.40%Tier 1 risk-based capital ratio
  • 30.65%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $25,583Average earning assets
  • $3,925Average equity
  • $22,720Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010751Rochelle State BankAshley Street And Second Avenue, Rochelle, GA 31079January 01, 1934Full Service Brick and Mortar

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