American Trust Bank in Roswell, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 04, 2011

  • American Trust Bank in Roswell, Georgia (GA)
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American Trust Bank - Overview

  • General
  • FDIC Certificate #: 57432
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Renasant Bank (#12437)
    Federal Reserve ID: 3179831
    Date Established: August 11, 2003
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 363549
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 11, 2003
    Last Structure Change Effective Date: Febuary 04, 2011
    Last Structure Change Process Date: Febuary 07, 2011
    Last Data Update: Febuary 07, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 880 Holcomb Bridge Road, Roswell, GA 30076
    County: Fulton
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • Financial Summary
  • Total assets: $238.2 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, 2010)

  • Dollar figures in thousands
  • 29Total employees (full-time equivalent)
  • $238,205Total assets
  • $13,330Cash and due from depository institutions
  • $12,788Interest-bearing balances
  • $7,662Securities
  • $33,825Federal funds sold & reverse repurchase agreements
  • $155,229Net loans & leases
  • $3,071Loan loss allowance
  • $0Trading account assets
  • $493Bank premises and fixed assets
  • $20,259Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $7,407All other assets
  • $238,205Total liabilities and capital
  • $236,681Total liabilities
  • $222,161Total deposits
  • $212,201Interest-bearing deposits
  • $222,161Deposits held in domestic offices
  • 96.86%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $14,100Other borrowed funds
  • $0Subordinated debt
  • $420All other liabilities
  • $1,524Total equity capital
  • $1,524Total bank equity capital
  • $1,524Perpetual preferred stock
  • $0Common stock
  • $4,550Surplus
  • $21,865Undivided profits
  • Memoranda
  • $-24,891Noncurrent loans and leases
  • $12,308Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $36,481Earning assets
  • $0Long-term assets (5+ years)
  • $617Average Assets, year-to-date
  • $209,504Average Assets, quarterly
  • $13,238Volatile liabilities
  • $261,779Insider loans
  • $243,745FHLB advances
  • $84,074Loans and leases held for sale
  • $4,363Unused loan commitments
  • $14,100Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,308Total unused commitments
  • $1,886Restructured Loans and leases
  • $1,711Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $8,499Total interest income
  • $5,324Total interest expense
  • $3,175Net interest income
  • $4,440Provision for loan and lease losses
  • -$1,176Total noninterest income
  • $0Fiduciary activities
  • $181Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,357Additional noninterest income
  • $7,107Total noninterest expense
  • $2,436Salaries and employee benefits
  • $865Premises and equipment expense
  • $3,806Additional noninterest expense
  • -$9,548Pre-tax net operating income
  • $595Securities gains (losses)
  • $0Applicable income taxes
  • -$8,953Income before extraordinary items
  • $0Extraordinary gains - net
  • -$8,953Net income attributable to bank
  • $0Net charge-offs
  • -$8,953Cash dividends
  • $5,735Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.64%Yield on earning assets
  • 2.28%Cost of funding earning assets
  • 1.36%Net interest margin
  • -0.50%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • -3.65%Net operating income to assets
  • -3.42%Return on assets (ROA)
  • -3.42%Pretax return on assets
  • -136.52%Return on equity (ROE)
  • -136.52%Retained earnings to average equity (YTD only)
  • 3.24%Net charge-offs to loans
  • 77.42%Credit loss provision to net charge-offs
  • -0.89%Efficiency ratio
  • 355,528Assets per employee
  • 8.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 8.42%Noncurrent assets plus other real estate owned to assets
  • 23.82%Noncurrent loans to loans
  • 23.05%Net loans and leases to deposits
  • 69.87%Net loans and leases to core deposits
  • 112.41%Equity capital to assets
  • 0.64%Core capital (leverage) ratio
  • 0.71%Tier 1 risk-based capital ratio
  • 0.90%Total risk-based capital ratio
  • Memoranda
  • $2Average assets
  • $261,779Average earning assets
  • $6,558Average equity
  • $233,186Average loans

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