Bank Atlanta in Decatur, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 15, 2000

  • Bank Atlanta in Decatur, Georgia (GA)
  • Show street view No street view available for this location

Bank Atlanta - Overview

  • General
  • FDIC Certificate #: 27122
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 1161757
    Date Established: December 15, 1987
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 14312
    FDIC's unique #: 38823
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 15, 1987
    Last Structure Change Effective Date: July 15, 2000
    Last Structure Change Process Date: August 21, 2000
    Last Data Update: August 21, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 1221 Clairmont Road, Decatur, GA 30030
    County: Dekalb
    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: $92.1 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 21Total employees (full-time equivalent)
  • $88,248Total assets
  • $2,088Cash and due from depository institutions
  • $20Interest-bearing balances
  • $14,419Securities
  • $4,530Federal funds sold & reverse repurchase agreements
  • $64,882Net loans & leases
  • $988Loan loss allowance
  • $0Trading account assets
  • $1,137Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,192All other assets
  • $88,248Total liabilities and capital
  • $80,124Total liabilities
  • $78,690Total deposits
  • $72,087Interest-bearing deposits
  • $78,690Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,434All other liabilities
  • $8,124Total equity capital
  • $8,124Total bank equity capital
  • $8,124Perpetual preferred stock
  • $0Common stock
  • $711Surplus
  • $5,005Undivided profits
  • Memoranda
  • $2,408Noncurrent loans and leases
  • $11,571Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $598Average Assets, year-to-date
  • $83,851Average Assets, quarterly
  • $3,538Volatile liabilities
  • $83,273Insider loans
  • $86,653FHLB advances
  • $17,362Loans and leases held for sale
  • $356Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $11,571Total unused commitments
  • $0Restructured Loans and leases
  • $887Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $7,146Total interest income
  • $3,468Total interest expense
  • $3,678Net interest income
  • $373Provision for loan and lease losses
  • $318Total noninterest income
  • $0Fiduciary activities
  • $121Service charges on deposit accounts
  • $0Trading account gains & fees
  • $197Additional noninterest income
  • $2,085Total noninterest expense
  • $979Salaries and employee benefits
  • $233Premises and equipment expense
  • $873Additional noninterest expense
  • $1,538Pre-tax net operating income
  • $0Securities gains (losses)
  • $457Applicable income taxes
  • $1,081Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,081Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $365Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.00%Yield on earning assets
  • 4.37%Cost of funding earning assets
  • 4.63%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 13.88%Return on equity (ROE)
  • 13.88%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 102.19%Credit loss provision to net charge-offs
  • 5.24%Efficiency ratio
  • 52,177Assets per employee
  • 4.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 82.45%Net loans and leases to core deposits
  • 105.80%Equity capital to assets
  • 9.21%Core capital (leverage) ratio
  • 9.65%Tier 1 risk-based capital ratio
  • 11.89%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $83,273Average earning assets
  • $7,790Average equity
  • $79,417Average loans

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