Barrow Bank & Trust Company in Winder, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 13, 1996

  • Barrow Bank & Trust Company in Winder, Georgia (GA)
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Barrow Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 27121
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 1161766
    Date Established: December 15, 1987
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 11414
    FDIC's unique #: 38822
    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: June 13, 1996
    Last Structure Change Process Date: July 09, 1996
    Last Data Update: July 09, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 614 North Broad Street, Winder, GA 30680
    County: Barrow
    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: $61.9 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)
  • $26Total assets
  • $57,015Cash and due from depository institutions
  • $941Interest-bearing balances
  • $99Securities
  • $19,668Federal funds sold & reverse repurchase agreements
  • $1,170Net loans & leases
  • $32,689Loan loss allowance
  • $641Trading account assets
  • $0Bank premises and fixed assets
  • $1,960Other real estate owned
  • $0Goodwill and other intangibles
  • $587Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $57,015Total liabilities
  • $50,684Total deposits
  • $50,365Interest-bearing deposits
  • $43,957Deposits held in domestic offices
  • 50365.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $319Total equity capital
  • $319Total bank equity capital
  • $6,331Perpetual preferred stock
  • $0Common stock
  • $1,703Surplus
  • $2,805Undivided profits
  • Memoranda
  • $1,823Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $520Income earned, not collected on loans
  • $246Earning assets
  • $53,626Long-term assets (5+ years)
  • $14,328Average Assets, year-to-date
  • $55,214Average Assets, quarterly
  • $57,088Volatile liabilities
  • $8,295Insider loans
  • $2,959FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,875Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,261Total risk weighted assets
  • $37,189Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,854Total interest expense
  • $1,963Net interest income
  • $2,891Provision for loan and lease losses
  • $24Total noninterest income
  • $317Fiduciary activities
  • $0Service charges on deposit accounts
  • $210Trading account gains & fees
  • $0Additional noninterest income
  • $107Total noninterest expense
  • $2,154Salaries and employee benefits
  • $960Premises and equipment expense
  • $307Additional noninterest expense
  • $887Pre-tax net operating income
  • $1,030Securities gains (losses)
  • $4Applicable income taxes
  • $266Income before extraordinary items
  • $768Extraordinary gains - net
  • $0Net income attributable to bank
  • $768Net charge-offs
  • $6Cash dividends
  • $299Sale, 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
  • 9.37%Cost of funding earning assets
  • 3.79%Net interest margin
  • 5.58%Noninterest income to earning assets
  • 0.61%Noninterest expense to earning assets
  • 4.16%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 1.87%Return on equity (ROE)
  • 12.76%Retained earnings to average equity (YTD only)
  • 7.79%Net charge-offs to loans
  • 0.02%Credit loss provision to net charge-offs
  • 400.00%Efficiency ratio
  • 67,145Assets per employee
  • 2.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.93%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 123.27%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 64.90%Net loans and leases to core deposits
  • 77.70%Equity capital to assets
  • 11.10%Core capital (leverage) ratio
  • 10.91%Tier 1 risk-based capital ratio
  • 16.84%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $55,214Average earning assets
  • $6,021Average equity
  • $51,808Average loans

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