The Bank of Soperton in Soperton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Bank of Soperton - Overview

  • General
  • FDIC Certificate #: 889
    Status: Active
    Federal Reserve ID: 260831
    Bank Holding Company (Regulatory Top Holder): Soperton Bancshares, Incorporated (RSSDID: 1250736, Location: Soperton, GA)
    Date Established: June 01, 1903
    WWW: http://www.bankofsoperton.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 #: 567
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 10, 2011
    Last Structure Change Process Date: June 21, 2011
    Last Data Update: June 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1202 Second Street North, Soperton, GA 30457
    County: Treutlen
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Savannah
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $32.6 mil
    Equity capital: $2.6 mil
    Deposits held in domestic offices: $29.7 mil
    Return on assets (ROA): -2.81% (-$0.9 mil)
    Quarterly return on assets: -2.02% (-$0.7 mil)
    Return on Equity (ROE): -35.41% (-$1.1 mil)
    Quarterly return on equity: -27.14% (-$0.8 mil)
    Net income: -$1.0 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -2.81% (-$915.7 mil)
    Quarterly Pretax return on assets: -2.02% (-$658.3 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
  • 10Total employees (full-time equivalent)
  • $32,588Total assets
  • $5,501Cash and due from depository institutions
  • $4,626Interest-bearing balances
  • $9,761Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,633Net loans & leases
  • $367Loan loss allowance
  • $0Trading account assets
  • $1,270Bank premises and fixed assets
  • $781Other real estate owned
  • $0Goodwill and other intangibles
  • $32,588Life insurance assets
  • $642All other assets
  • $29,970Total liabilities and capital
  • $29,661Total liabilities
  • $20,682Total deposits
  • $29,661Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $309Subordinated debt
  • $2,618All other liabilities
  • $2,618Total equity capital
  • $2,618Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $5,766Surplus
  • $-3,348Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,464Income earned, not collected on loans
  • $0Earning assets
  • $233Long-term assets (5+ years)
  • $29,020Average Assets, year-to-date
  • $4,069Average Assets, quarterly
  • $35,184Volatile liabilities
  • $33,078Insider loans
  • $17,943FHLB advances
  • $33,816Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,870Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $60Restructured Loans and leases
  • $120Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,323Total interest income
  • $249Total interest expense
  • $1,074Net interest income
  • $976Provision for loan and lease losses
  • $717Total noninterest income
  • $0Fiduciary activities
  • $297Service charges on deposit accounts
  • $0Trading account gains & fees
  • $420Additional noninterest income
  • $1,805Total noninterest expense
  • $597Salaries and employee benefits
  • $175Premises and equipment expense
  • $1,033Additional noninterest expense
  • -$990Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$990Income before extraordinary items
  • $0Extraordinary gains - net
  • -$990Net income attributable to bank
  • $0Net charge-offs
  • -$990Cash dividends
  • $1,124Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.51%Net interest margin
  • 2.34%Noninterest income to earning assets
  • 5.90%Noninterest expense to earning assets
  • -2.81%Net operating income to assets
  • -2.81%Return on assets (ROA)
  • -2.81%Pretax return on assets
  • -35.41%Return on equity (ROE)
  • -35.41%Retained earnings to average equity (YTD only)
  • 6.64%Net charge-offs to loans
  • 86.83%Credit loss provision to net charge-offs
  • -0.01%Efficiency ratio
  • 100,782Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.45%Loss allowance to noncurrent loans
  • 25.07%Noncurrent assets plus other real estate owned to assets
  • 6.89%Noncurrent loans to loans
  • 9.76%Net loans and leases to deposits
  • 49.33%Net loans and leases to core deposits
  • 49.86%Equity capital to assets
  • 8.03%Core capital (leverage) ratio
  • 8.49%Tier 1 risk-based capital ratio
  • 16.00%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $35,184Average earning assets
  • $2,796Average equity
  • $30,585Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0567The Bank Of Soperton1202 Second Street North, Soperton, GA 30457June 01, 1903Full Service Brick and Mortar

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