Appalachian Community Bank, F.S.B. in Mc Caysville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 17, 2010

  • Appalachian Community Bank, F.S.B. in Mc Caysville, Georgia (GA)
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Appalachian Community Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 58495
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Peoples Bank of East Tennessee (#34517)
    Federal Reserve ID: 3595981
    Date Established: April 23, 2007
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 18033
    FDIC's unique #: 454327
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: April 23, 2007
    Last Structure Change Effective Date: December 17, 2010
    Last Structure Change Process Date: December 20, 2010
    Last Data Update: December 20, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 109 Blue Ridge Drive, Mc Caysville, GA 30555
    County: Fannin
    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
  • Financial Summary
  • Total assets: $68.2 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, 2009)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $87,980Total assets
  • $13,102Cash and due from depository institutions
  • $12,441Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $66,154Net loans & leases
  • $1,495Loan loss allowance
  • $0Trading account assets
  • $3,257Bank premises and fixed assets
  • $3,969Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,498All other assets
  • $87,980Total liabilities and capital
  • $82,020Total liabilities
  • $81,887Total deposits
  • $78,971Interest-bearing deposits
  • $81,887Deposits held in domestic offices
  • 92.17%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $133All other liabilities
  • $5,960Total equity capital
  • $5,960Total bank equity capital
  • $5,960Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $7,935Undivided profits
  • Memoranda
  • $-2,075Noncurrent loans and leases
  • $2,621Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,786Earning assets
  • $0Long-term assets (5+ years)
  • $495Average Assets, year-to-date
  • $78,595Average Assets, quarterly
  • $0Volatile liabilities
  • $89,768Insider loans
  • $90,391FHLB advances
  • $28,961Loans and leases held for sale
  • $1,000Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,621Total unused commitments
  • $1,020Restructured Loans and leases
  • $818Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $4,938Total interest income
  • $2,453Total interest expense
  • $2,485Net interest income
  • $2,347Provision for loan and lease losses
  • $151Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $151Additional noninterest income
  • $2,378Total noninterest expense
  • $1,352Salaries and employee benefits
  • $400Premises and equipment expense
  • $626Additional noninterest expense
  • -$2,089Pre-tax net operating income
  • $0Securities gains (losses)
  • $292Applicable income taxes
  • -$2,381Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,381Net income attributable to bank
  • $0Net charge-offs
  • -$2,381Cash dividends
  • $1,768Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.37%Yield on earning assets
  • 3.16%Cost of funding earning assets
  • 3.20%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • -2.65%Net operating income to assets
  • -2.65%Return on assets (ROA)
  • -2.33%Pretax return on assets
  • -33.22%Return on equity (ROE)
  • -33.22%Retained earnings to average equity (YTD only)
  • 2.36%Net charge-offs to loans
  • 132.75%Credit loss provision to net charge-offs
  • 0.15%Efficiency ratio
  • 90,212Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.21%Loss allowance to noncurrent loans
  • 22.03%Noncurrent assets plus other real estate owned to assets
  • 12.22%Noncurrent loans to loans
  • 10.03%Net loans and leases to deposits
  • 80.79%Net loans and leases to core deposits
  • 124.99%Equity capital to assets
  • 6.77%Core capital (leverage) ratio
  • 6.77%Tier 1 risk-based capital ratio
  • 9.20%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $89,768Average earning assets
  • $7,168Average equity
  • $77,570Average loans

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