Vitals
  • Total Assets
    103.1M 20.3 %
  • Total Deposits
    78.8M 34.2 %
  • Total Net Loans
    90.1M 25.5 %
  • Net Income
    1.1M 5.9 %
  • Book Value
    7.7M 20.8 %
  • Book Value x2
    15.5M 20.8 %
  • Book Value x3
    23.2M 20.8 %
ROAA

1.141

ROAE

15.845

Efficiency Ratio

58.172

Net Interest Margin

4.273

Balance Sheet Highlights
Financial Highlights First National Bank Of South Georgia All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 103,122 185,759
Total Net Loans 90,129 137,560
Total Deposits 78,823 154,387
Total Equity 7,732 17,752
Profitability
Net Income 1,093 11,253
Return on Average Assets 1.141 1.405
Return on Average Equity 15.845 14.35
Net Interest Margin 4.273 4.561
Efficiency Ratio 58.172 62.186
Noninterest Income/Revenue 9.84 11.405
Balance Sheet Ratios
Loan-to-Deposit 114.344 84.834
Securities/Assets .048 .213
Total Equity/Total Assets .075 .096
Tangible Equity/Tangible Assets .075 -.929
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 7,825 17,144
Tier 2 Capital 1,020 1,758
Total Capital 8,845 18,847
Total Risk Weighted Assets 81,319 144,350
Leverage Ratio 7.49 10.263
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.62 13.733
Total Capital Ratio 10.88 14.902

Timeline for First National Bank Of South Georgia

Ameris Bank

First National Bank Of South Georgia was acquired by Ameris Bank 18 years

View Profile Feb 11 2006

First National Holding Company, Inc.

First National Holding Company, Inc. became a new subsidiary organization for First National Bank Of South Georgia.

View Profile Jul 06 1999

Ameris Bancorp

Ameris Bancorp became a new parent organization for First National Bank Of South Georgia.

View Profile Aug 31 1996

First National Bank Of South Georgia

First National Bank Of South Georgia was established 32 years ago and is currently headquartered in Albany, GA.

May 29 1991

First National Financial Corporation

First National Financial Corporation became a new parent organization for First National Bank Of South Georgia.

View Profile May 29 1991
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ameris Bank Buyer 6,487,996 Pooling of Interests Discontinued 2/11/2006
Relationships Role Relationship Start Relationship End
Ameris Bancorp Parent 8/31/1996 2/10/2006
First National Financial Corporation Parent 5/29/1991 8/30/1996
First National Holding Company, Inc. Subsidary 7/6/1999 2/10/2006
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