Bank of Villa Rica in Villa Rica, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 21, 1996

  • Bank of Villa Rica in Villa Rica, Georgia (GA)
  • Show street view No street view available for this location

Bank of Villa Rica - Overview

  • General
  • FDIC Certificate #: 184
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 569132
    Date Established: May 04, 1899
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 146
    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: January 01, 1934
    Last Structure Change Effective Date: June 21, 1996
    Last Structure Change Process Date: July 24, 1996
    Last Data Update: July 24, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: U.S. Highway 78, Villa Rica, GA 30180
    County: Carroll
    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: $54.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $30Total assets
  • $53,397Cash and due from depository institutions
  • $1,534Interest-bearing balances
  • $696Securities
  • $15,808Federal funds sold & reverse repurchase agreements
  • $417Net loans & leases
  • $32,167Loan loss allowance
  • $608Trading account assets
  • $0Bank premises and fixed assets
  • $2,513Other real estate owned
  • $21Goodwill and other intangibles
  • $937Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $53,397Total liabilities
  • $48,921Total deposits
  • $48,578Interest-bearing deposits
  • $41,063Deposits held in domestic offices
  • 48578.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $343Total equity capital
  • $343Total bank equity capital
  • $4,476Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $2,300Undivided profits
  • Memoranda
  • $1,976Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $571Income earned, not collected on loans
  • $286Earning assets
  • $49,088Long-term assets (5+ years)
  • $9,395Average Assets, year-to-date
  • $50,904Average Assets, quarterly
  • $52,452Volatile liabilities
  • $6,177Insider loans
  • $1,361FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,625Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,455Total risk weighted assets
  • $33,860Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,056Total interest expense
  • $1,892Net interest income
  • $2,164Provision for loan and lease losses
  • $295Total noninterest income
  • $583Fiduciary activities
  • $0Service charges on deposit accounts
  • $428Trading account gains & fees
  • $0Additional noninterest income
  • $155Total noninterest expense
  • $2,521Salaries and employee benefits
  • $1,056Premises and equipment expense
  • $396Additional noninterest expense
  • $1,069Pre-tax net operating income
  • -$69Securities gains (losses)
  • -$38Applicable income taxes
  • -$49Income before extraordinary items
  • -$58Extraordinary gains - net
  • $0Net income attributable to bank
  • -$58Net charge-offs
  • $261Cash dividends
  • $63Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.83%Cost of funding earning assets
  • 4.12%Net interest margin
  • 4.71%Noninterest income to earning assets
  • 1.27%Noninterest expense to earning assets
  • 5.49%Net operating income to assets
  • -0.07%Return on assets (ROA)
  • -0.11%Pretax return on assets
  • -0.21%Return on equity (ROE)
  • -1.30%Retained earnings to average equity (YTD only)
  • -2.71%Net charge-offs to loans
  • 0.85%Credit loss provision to net charge-offs
  • 113.03%Efficiency ratio
  • 91,773Assets per employee
  • 1.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -108.62%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 106.48%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 66.22%Net loans and leases to core deposits
  • 75.86%Equity capital to assets
  • 8.38%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 13.16%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $50,904Average earning assets
  • $4,469Average equity
  • $45,938Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Villa Rica.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents