Bank of Jefferson County in Louisville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1994

  • Bank of Jefferson County in Louisville, Georgia (GA)
  • Show street view No street view available for this location

Bank of Jefferson County - Overview

  • General
  • FDIC Certificate #: 27265
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Allied Bank of Georgia (#163)
    Federal Reserve ID: 1192256
    Date Established: June 13, 1988
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 39366
    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: June 13, 1988
    Last Structure Change Effective Date: October 01, 1994
    Last Structure Change Process Date: October 19, 1994
    Last Data Update: October 19, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 736 Peachtree Street, Louisville, GA 30434
    County: Jefferson
    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: $14.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $12Total assets
  • $15,510Cash and due from depository institutions
  • $1,722Interest-bearing balances
  • $984Securities
  • $2,842Federal funds sold & reverse repurchase agreements
  • $1,100Net loans & leases
  • $8,380Loan loss allowance
  • $150Trading account assets
  • $0Bank premises and fixed assets
  • $983Other real estate owned
  • $200Goodwill and other intangibles
  • $283Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $15,510Total liabilities
  • $13,178Total deposits
  • $13,164Interest-bearing deposits
  • $10,720Deposits held in domestic offices
  • 13164.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $14Total equity capital
  • $14Total bank equity capital
  • $2,332Perpetual preferred stock
  • $0Common stock
  • $1,508Surplus
  • $1,316Undivided profits
  • Memoranda
  • $-492Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $226Income earned, not collected on loans
  • $119Earning assets
  • $13,306Long-term assets (5+ years)
  • $2,924Average Assets, year-to-date
  • $15,155Average Assets, quarterly
  • $15,253Volatile liabilities
  • $522Insider loans
  • $300FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,569Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,332Total risk weighted assets
  • $9,582Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,066Total interest expense
  • $420Net interest income
  • $646Provision for loan and lease losses
  • $32Total noninterest income
  • $189Fiduciary activities
  • $0Service charges on deposit accounts
  • $163Trading account gains & fees
  • $0Additional noninterest income
  • $26Total noninterest expense
  • $716Salaries and employee benefits
  • $335Premises and equipment expense
  • $116Additional noninterest expense
  • $265Pre-tax net operating income
  • $87Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • $87Extraordinary gains - net
  • $0Net income attributable to bank
  • $87Net charge-offs
  • $64Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.47%Cost of funding earning assets
  • 3.34%Net interest margin
  • 5.13%Noninterest income to earning assets
  • 1.50%Noninterest expense to earning assets
  • 5.69%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 0.57%Return on equity (ROE)
  • 3.80%Retained earnings to average equity (YTD only)
  • 3.37%Net charge-offs to loans
  • 0.75%Credit loss provision to net charge-offs
  • 50.00%Efficiency ratio
  • 85,749Assets per employee
  • 1.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.49%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 66.37%Noncurrent assets plus other real estate owned to assets
  • 2.75%Noncurrent loans to loans
  • 2.65%Net loans and leases to deposits
  • 63.66%Net loans and leases to core deposits
  • 66.29%Equity capital to assets
  • 15.04%Core capital (leverage) ratio
  • 15.40%Tier 1 risk-based capital ratio
  • 24.34%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $15,155Average earning assets
  • $2,288Average equity
  • $12,585Average loans

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