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


  • The Citizens Bank of Cochran in Cochran, Georgia (GA)
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The Citizens Bank of Cochran - Overview

  • General
  • FDIC Certificate #: 16275
    Status: Active
    Federal Reserve ID: 278733
    Bank Holding Company (Regulatory Top Holder): Putnam-Greene Financial Corporation (RSSDID: 1246252, Location: Eatonton, GA)
    Date Established: January 01, 1934
    WWW: http://www.citizensbankcochran.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 10464
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 12, 1945
    Last Structure Change Effective Date: March 14, 2007
    Last Structure Change Process Date: March 23, 2007
    Last Data Update: March 23, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 East Dykes Street, Cochran, GA 31014
    County: Bleckley
    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
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Withdraws from FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $61.4 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $52.0 mil
    Return on assets (ROA): -0.44% (-$0.3 mil)
    Quarterly return on assets: -0.29% (-$0.2 mil)
    Return on Equity (ROE): -3.08% (-$0.3 mil)
    Quarterly return on equity: -2.00% (-$0.2 mil)
    Net income: -$0.3 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.83% (-$509.5 mil)
    Quarterly Pretax return on assets: -0.54% (-$331.5 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
  • 17Total employees (full-time equivalent)
  • $61,382Total assets
  • $1,028Cash and due from depository institutions
  • $55Interest-bearing balances
  • $22,039Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $32,952Net loans & leases
  • $2,731Loan loss allowance
  • $0Trading account assets
  • $1,099Bank premises and fixed assets
  • $2,204Other real estate owned
  • $0Goodwill and other intangibles
  • $61,382Life insurance assets
  • $2,060All other assets
  • $52,585Total liabilities and capital
  • $51,959Total liabilities
  • $45,509Total deposits
  • $51,959Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 325.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $301Subordinated debt
  • $8,797All other liabilities
  • $8,797Total equity capital
  • $8,797Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $9,995Surplus
  • $-1,398Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,118Income earned, not collected on loans
  • $0Earning assets
  • $331Long-term assets (5+ years)
  • $55,046Average Assets, year-to-date
  • $25,652Average Assets, quarterly
  • $62,858Volatile liabilities
  • $61,030Insider loans
  • $41,007FHLB advances
  • $60,105Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,015Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,760Restructured Loans and leases
  • $738Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,001Total interest income
  • $810Total interest expense
  • $2,191Net interest income
  • $1,500Provision for loan and lease losses
  • $494Total noninterest income
  • $0Fiduciary activities
  • $158Service charges on deposit accounts
  • $0Trading account gains & fees
  • $336Additional noninterest income
  • $2,084Total noninterest expense
  • $1,020Salaries and employee benefits
  • $269Premises and equipment expense
  • $795Additional noninterest expense
  • -$899Pre-tax net operating income
  • $375Securities gains (losses)
  • -$250Applicable income taxes
  • -$274Income before extraordinary items
  • $0Extraordinary gains - net
  • -$274Net income attributable to bank
  • $0Net charge-offs
  • -$274Cash dividends
  • $577Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • -0.82%Net operating income to assets
  • -0.44%Return on assets (ROA)
  • -0.83%Pretax return on assets
  • -3.08%Return on equity (ROE)
  • -3.08%Retained earnings to average equity (YTD only)
  • 1.47%Net charge-offs to loans
  • 259.97%Credit loss provision to net charge-offs
  • 1.04%Efficiency ratio
  • 77,616Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 7.65%Loss allowance to noncurrent loans
  • 87.59%Noncurrent assets plus other real estate owned to assets
  • 8.67%Noncurrent loans to loans
  • 8.74%Net loans and leases to deposits
  • 63.42%Net loans and leases to core deposits
  • 73.77%Equity capital to assets
  • 14.33%Core capital (leverage) ratio
  • 13.33%Tier 1 risk-based capital ratio
  • 19.55%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $62,858Average earning assets
  • $8,893Average equity
  • $56,812Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010464The Citizens Bank Of Cochran124 East Dykes Street, Cochran, GA 31014January 01, 1934Full Service Brick and Mortar
    3464804Dublin Branch1303 Bellevue Avenue, Dublin, GA 31021May 11, 2007Full Service Brick and Mortar

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