Trust Company Bank of Coffee County in Douglas, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1994

Trust Company Bank of Coffee County in Douglas, Georgia (GA)
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Trust Company Bank of Coffee County - Overview

General
FDIC Certificate #: 16284
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: SunTrust Bank, South Georgia, National Association (#16331)
Federal Reserve ID: 604538
Date Established: July 05, 1945
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 10472
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: July 05, 1945
Last Structure Change Effective Date: July 01, 1994
Last Structure Change Process Date: July 11, 1994
Last Data Update: July 11, 1994
Data Source Date: April 05, 2012
Location
Address: South Peterson Avenue, Douglas, GA 31533
County: Coffee
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
Core Based Statistical Area (CBSA): Douglas, GA (#20060)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $119.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$66Total assets
$114,913Cash and due from depository institutions
$6,328Interest-bearing balances
$0Securities
$27,489Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$77,802Loan loss allowance
$1,403Trading account assets
$0Bank premises and fixed assets
$1,391Other real estate owned
$98Goodwill and other intangibles
$1,805Life insurance assets
$0All other assets
$0Total liabilities and capital
$114,913Total liabilities
$104,627Total deposits
$98,706Interest-bearing deposits
$77,557Deposits held in domestic offices
98706.00%% insured (estimated)
$85Federal funds purchased & repurchase agreements
$5,496Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$425Total equity capital
$425Total bank equity capital
$10,286Perpetual preferred stock
$0Common stock
$1,650Surplus
$3,000Undivided profits
Memoranda
$5,636Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$976Income earned, not collected on loans
$943Earning assets
$105,291Long-term assets (5+ years)
$22,297Average Assets, year-to-date
$116,082Average Assets, quarterly
$114,590Volatile liabilities
$13,420Insider loans
$4,562FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$9,467Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$9,663Total risk weighted assets
$77,783Total unused commitments
$0Restructured Loans and leases
$5,000Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$8,250Total interest expense
$2,846Net interest income
$5,404Provision for loan and lease losses
$470Total noninterest income
$1,338Fiduciary activities
$0Service charges on deposit accounts
$891Trading account gains & fees
$0Additional noninterest income
$447Total noninterest expense
$4,585Salaries and employee benefits
$2,217Premises and equipment expense
$501Additional noninterest expense
$1,867Pre-tax net operating income
$1,687Securities gains (losses)
$0Applicable income taxes
$303Income before extraordinary items
$1,384Extraordinary gains - net
$0Net income attributable to bank
$1,384Net charge-offs
$795Cash dividends
$1,500Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.78%Cost of funding earning assets
2.68%Net interest margin
5.09%Noninterest income to earning assets
1.26%Noninterest expense to earning assets
4.32%Net operating income to assets
1.19%Return on assets (ROA)
1.19%Pretax return on assets
1.45%Return on equity (ROE)
13.95%Retained earnings to average equity (YTD only)
-1.17%Net charge-offs to loans
1.02%Credit loss provision to net charge-offs
59.12%Efficiency ratio
68,007Assets per employee
1.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
108.38%Loss allowance to loans
1.77%Loss allowance to noncurrent loans
143.75%Noncurrent assets plus other real estate owned to assets
0.93%Noncurrent loans to loans
1.23%Net loans and leases to deposits
78.82%Net loans and leases to core deposits
85.70%Equity capital to assets
8.95%Core capital (leverage) ratio
8.48%Tier 1 risk-based capital ratio
12.42%Total risk-based capital ratio
Memoranda
$14Average assets
$116,082Average earning assets
$9,920Average equity
$106,075Average loans

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