American Pride Bank in Macon, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Pride Bank - Overview

  • General
  • FDIC Certificate #: 58584
    Status: Active
    Federal Reserve ID: 3671997
    Bank Holding Company (Regulatory Top Holder): American Bancorp, Inc. (RSSDID: 3824261, Location: Macon, GA)
    Date Established: December 12, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 457427
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 12, 2007
    Last Structure Change Effective Date: October 27, 2010
    Last Structure Change Process Date: December 22, 2010
    Last Data Update: December 22, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 4740 Log Cabin Drive, Macon, GA 31204
    County: Bibb
    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
    Metropolitan Statistical Area (MSA): Macon, GA (#4680)
    Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
    Core Based Statistical Area (CBSA): Macon, GA (#31420)
    CBSA Metro Statistical Area: Macon, GA (#31420)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $114.0 mil
    Equity capital: $23.7 mil
    Deposits held in domestic offices: $78.7 mil
    Return on assets (ROA): 0.76% ($0.9 mil)
    Quarterly return on assets: 1.16% ($1.3 mil)
    Return on Equity (ROE): 3.69% ($0.9 mil)
    Quarterly return on equity: 5.70% ($1.4 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.76% ($866.7 mil)
    Quarterly Pretax return on assets: 1.16% ($1,322.8 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
  • 25Total employees (full-time equivalent)
  • $114,034Total assets
  • $8,676Cash and due from depository institutions
  • $7,259Interest-bearing balances
  • $24,073Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $70,915Net loans & leases
  • $1,057Loan loss allowance
  • $0Trading account assets
  • $8,841Bank premises and fixed assets
  • $225Other real estate owned
  • $0Goodwill and other intangibles
  • $114,034Life insurance assets
  • $1,304All other assets
  • $90,319Total liabilities and capital
  • $78,667Total liabilities
  • $74,976Total deposits
  • $78,667Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,500Trading liabilities
  • $0Other borrowed funds
  • $152Subordinated debt
  • $23,715All other liabilities
  • $23,715Total equity capital
  • $23,715Total bank equity capital
  • $0Perpetual preferred stock
  • $13,040Common stock
  • $13,528Surplus
  • $-2,853Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,625Income earned, not collected on loans
  • $0Earning assets
  • $379Long-term assets (5+ years)
  • $102,247Average Assets, year-to-date
  • $22,204Average Assets, quarterly
  • $112,024Volatile liabilities
  • $116,257Insider loans
  • $83,770FHLB advances
  • $117,761Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,547Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,316Restructured Loans and leases
  • $1,856Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,667Total interest income
  • $1,176Total interest expense
  • $4,491Net interest income
  • $428Provision for loan and lease losses
  • $80Total noninterest income
  • $0Fiduciary activities
  • $56Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24Additional noninterest income
  • $3,439Total noninterest expense
  • $1,889Salaries and employee benefits
  • $612Premises and equipment expense
  • $938Additional noninterest expense
  • $704Pre-tax net operating income
  • $146Securities gains (losses)
  • $0Applicable income taxes
  • $850Income before extraordinary items
  • $0Extraordinary gains - net
  • $850Net income attributable to bank
  • $0Net charge-offs
  • $850Cash dividends
  • $264Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.46%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 3.42%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 3.69%Return on equity (ROE)
  • 3.69%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 162.12%Credit loss provision to net charge-offs
  • 4.29%Efficiency ratio
  • 75,235Assets per employee
  • 4.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 40.27%Noncurrent assets plus other real estate owned to assets
  • 2.50%Noncurrent loans to loans
  • 3.65%Net loans and leases to deposits
  • 90.15%Net loans and leases to core deposits
  • 93.26%Equity capital to assets
  • 20.80%Core capital (leverage) ratio
  • 20.00%Tier 1 risk-based capital ratio
  • 28.11%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $112,024Average earning assets
  • $23,014Average equity
  • $100,701Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0457427American Pride Bank4740 Log Cabin Drive, Macon, GA 31204December 12, 2007Full Service Brick and Mortar
    1488801Warner Robins BranchRussell Parkway, Warner Robins, GA 31088Febuary 26, 2009Full Service Brick and Mortar
    2520800Forsyth Road Branch4511 Forsyth Road, Macon, GA 31210June 20, 2011Full Service Brick and Mortar

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