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912-384-2233
211 East Ward Street
Douglas , GA 31533

Douglas National Bank is headquartered in Douglas and is the 104th largest bank in the state of Georgia. It is also the 3,652nd largest bank in the nation. It was established in 2001 and as of December of 2013, it had grown to 30 employees at 1 location. Douglas National Bank has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Douglas National Bank had $3.2 million in non-current loans and owned real-estate with $21.54 million in equity and loan loss allowances on hand to cover it. This gives Douglas National Bank a Texas Ratio of 14.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Douglas National Bank decreased slightly from 16.51% as of December 31, 2012 to 14.84% as of December 31, 2013, resulting in a positive change of 10.10%.This indicates that the balance sheet and financial strength for Douglas National Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Douglas National Bank has increased its total deposits by $15.24 million, resulting in 12.92% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Douglas National Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Douglas National Bank has $154.04 million in assets with $21.54 million in equity, resulting in a capitalization level of 13.98%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57230
Year Established2001
Employees30
Primary RegulatorOCC
Assets and Liabilities
Assets$154.04 million
Loans$120.33 million
Deposits$133.26 million
Equity Capital$19.94 million
Loan Loss Allowance$1.60 million
Unbacked Noncurrent Loans$1.65 million
Real Estate Owned$1.55 million
Historic Data - December 2012
Assets$138.88 million
Equity Capital$19.93 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$1.65 million
Real Estate Owned$1.97 million
Profit Margin - Quarterly
Net Interest Margin5.05%
Return on Assets2.48%
Return on Equity18.24%
Interest Income$7.25 million
Rates

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Locations


Douglas National Bank Locations
Douglas National Bank211 East Ward StreetDouglas, GA 31533