The Four County Bank in Allentown, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Four County Bank in Allentown, Georgia (GA)
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The Four County Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total 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
  • 13Total employees (full-time equivalent)
  • $62,101Total assets
  • $9,435Cash and due from depository institutions
  • $8,812Interest-bearing balances
  • $6,026Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,887Net loans & leases
  • $1,185Loan loss allowance
  • $0Trading account assets
  • $593Bank premises and fixed assets
  • $2,403Other real estate owned
  • $0Goodwill and other intangibles
  • $62,101Life insurance assets
  • $757All other assets
  • $56,732Total liabilities and capital
  • $54,638Total liabilities
  • $48,767Total deposits
  • $54,638Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $94Subordinated debt
  • $5,369All other liabilities
  • $5,369Total equity capital
  • $5,369Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $8,060Surplus
  • $-2,891Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,046Income earned, not collected on loans
  • $0Earning assets
  • $287Long-term assets (5+ years)
  • $57,725Average Assets, year-to-date
  • $4,264Average Assets, quarterly
  • $65,532Volatile liabilities
  • $62,580Insider loans
  • $42,374FHLB advances
  • $61,559Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,295Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $511Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,058Total interest income
  • $805Total interest expense
  • $2,253Net interest income
  • $860Provision for loan and lease losses
  • $115Total noninterest income
  • $0Fiduciary activities
  • $160Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$45Additional noninterest income
  • $1,793Total noninterest expense
  • $669Salaries and employee benefits
  • $163Premises and equipment expense
  • $961Additional noninterest expense
  • -$285Pre-tax net operating income
  • $8Securities gains (losses)
  • $0Applicable income taxes
  • -$277Income before extraordinary items
  • $0Extraordinary gains - net
  • -$277Net income attributable to bank
  • $0Net charge-offs
  • -$277Cash dividends
  • $832Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 1.36%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • -0.43%Net operating income to assets
  • -0.42%Return on assets (ROA)
  • -0.42%Pretax return on assets
  • -6.07%Return on equity (ROE)
  • -6.07%Retained earnings to average equity (YTD only)
  • 1.77%Net charge-offs to loans
  • 103.37%Credit loss provision to net charge-offs
  • 0.69%Efficiency ratio
  • 75,718Assets per employee
  • 4.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.69%Loss allowance to noncurrent loans
  • 57.92%Noncurrent assets plus other real estate owned to assets
  • 7.16%Noncurrent loans to loans
  • 4.64%Net loans and leases to deposits
  • 78.49%Net loans and leases to core deposits
  • 81.56%Equity capital to assets
  • 8.65%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 12.50%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $65,532Average earning assets
  • $4,564Average equity
  • $59,209Average loans

List of branches

  • 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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