The Four County Bank in Allentown, Georgia (GA)



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The Four County Bank
GeneralFDIC Certificate #: 15904
Status: Active
Federal Reserve ID: 7634
Bank Holding Company (Regulatory Top Holder): Four County Bancshares, Inc. (RSSDID: 1416457, Location: Allentown, GA)
Date Established: September 15, 1941
WWW: http://www.thefourcountybank.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 #: 10136
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: Commercial Lending Specialization
Date of Deposit Insurance: July 13, 1942
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: June 17, 2010
Last Data Update: June 17, 2010
Data Source Date: April 05, 2012
LocationAddress: 959 Main Street, Allentown, GA 31003
County: Wilkinson
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
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Change in Location
Financial SummaryTotal assets: $62.1 mil
Equity capital: $5.4 mil
Deposits held in domestic offices: $54.6 mil
Return on assets (ROA): -0.42% (-$0.3 mil)
Quarterly return on assets: -0.86% (-$0.5 mil)
Return on Equity (ROE): -6.07% (-$0.3 mil)
Quarterly return on equity: -9.86% (-$0.5 mil)
Net income: -$0.3 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -0.42% (-$260.8 mil)
Quarterly Pretax return on assets: -0.86% (-$534.1 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)13
Total assets$62,101
Cash and due from depository institutions$9,435
Interest-bearing balances$8,812
Securities$6,026
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$42,887
Loan loss allowance $1,185
Trading account assets$0
Bank premises and fixed assets$593
Other real estate owned$2,403
Goodwill and other intangibles$0
All other assets$757
Life insurance assets$62,101
Total liabilities and capital$56,732
Total liabilities$54,638
Total deposits$48,767
Interest-bearing deposits$54,638
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $94
All other liabilities $5,369
Total equity capital$5,369
Total bank equity capital$5,369
Perpetual preferred stock$0
Common stock$200
Surplus$8,060
Undivided profits $-2,891
Memoranda
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 $2,046
Earning assets $0
Long-term assets (5+ years) $287
Average Assets, year-to-date $57,725
Average Assets, quarterly $4,264
Volatile liabilities $65,532
Insider loans $62,580
FHLB advances $42,374
Loans and leases held for sale $61,559
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,295
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $511
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,058
Total interest expense $805
Net interest income $2,253
Provision for loan and lease losses $860
Total noninterest income $115
Fiduciary activities $0
Service charges on deposit accounts $160
Trading account gains & fees $0
Additional noninterest income -$45
Total noninterest expense $1,793
Salaries and employee benefits $669
Premises and equipment expense $163
Additional noninterest expense $961
Pre-tax net operating income -$285
Securities gains (losses) $8
Applicable income taxes $0
Income before extraordinary items -$277
Extraordinary gains - net $0
Net income attributable to bank -$277
Net charge-offs $0
Cash dividends -$277
Sale, conversion, retirement of capital stock, net $832
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.16%
Cost of funding earning assets 1.36%
Net interest margin 3.81%
Noninterest income to earning assets 0.19%
Noninterest expense to earning assets 3.03%
Net operating income to assets -0.43%
Return on assets (ROA) -0.42%
Pretax return on assets -0.42%
Return on equity (ROE) -6.07%
Retained earnings to average equity (YTD only) -6.07%
Net charge-offs to loans 1.77%
Credit loss provision to net charge-offs 103.37%
Efficiency ratio0.69%
Assets per employee$75,718
Cash dividends to net income (YTD only)4.78%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.69%
Noncurrent assets plus other real estate owned to assets 57.92%
Noncurrent loans to loans 7.16%
Net loans and leases to deposits4.64%
Net loans and leases to core deposits 78.49%
Equity capital to assets 81.56%
Core capital (leverage) ratio 8.65%
Tier 1 risk-based capital ratio 8.60%
Total risk-based capital ratio 12.50%
Memoranda
Average assets$14
Average earning assets$65,532
Average equity $4,564
Average loans $59,209
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1 Georgia Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010136The Four County Bank959 Main Street, Allentown, GA 31003September 15, 1941Full Service Brick and Mortar
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