Chattahoochee Bank of Georgia in Gainesville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Chattahoochee Bank of Georgia - Overview

  • General
  • FDIC Certificate #: 58810
    Status: Active
    Federal Reserve ID: 3817964
    Date Established: September 15, 2008
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 468984
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 15, 2008
    Last Structure Change Effective Date: October 06, 2008
    Last Structure Change Process Date: October 31, 2008
    Last Data Update: October 31, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 643 E. E. Butler Parkway, Gainesville, GA 30501
    County: Hall
    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
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Gainesville, GA (#23580)
    CBSA Metro Statistical Area: Gainesville, GA (#23580)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Change in Location
  • Financial Summary
  • Total assets: $90.2 mil
    Equity capital: $18.1 mil
    Deposits held in domestic offices: $66.2 mil
    Return on assets (ROA): -0.49% (-$0.4 mil)
    Quarterly return on assets: 0.03% ($0.0 mil)
    Return on Equity (ROE): -2.29% (-$0.4 mil)
    Quarterly return on equity: 0.13% ($0.0 mil)
    Net income: -$0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.49% (-$441.9 mil)
    Quarterly Pretax return on assets: 0.03% ($27.1 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, 2011)

  • Dollar figures in thousands
  • 15Total employees (full-time equivalent)
  • $90,177Total assets
  • $8,737Cash and due from depository institutions
  • $4,248Interest-bearing balances
  • $16,259Securities
  • $1,831Federal funds sold & reverse repurchase agreements
  • $57,866Net loans & leases
  • $770Loan loss allowance
  • $0Trading account assets
  • $4,583Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $90,177Life insurance assets
  • $901All other assets
  • $72,117Total liabilities and capital
  • $66,234Total liabilities
  • $55,569Total deposits
  • $66,234Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,814Trading liabilities
  • $0Other borrowed funds
  • $69Subordinated debt
  • $18,060All other liabilities
  • $18,060Total equity capital
  • $18,060Total bank equity capital
  • $0Perpetual preferred stock
  • $10,713Common stock
  • $12,850Surplus
  • $-5,503Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $220Long-term assets (5+ years)
  • $80,204Average Assets, year-to-date
  • $28,214Average Assets, quarterly
  • $83,447Volatile liabilities
  • $91,660Insider loans
  • $68,564FHLB advances
  • $92,440Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,924Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,410Restructured Loans and leases
  • $9,739Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,426Total interest income
  • $618Total interest expense
  • $2,808Net interest income
  • $171Provision for loan and lease losses
  • $66Total noninterest income
  • $0Fiduciary activities
  • $37Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29Additional noninterest income
  • $3,114Total noninterest expense
  • $1,589Salaries and employee benefits
  • $313Premises and equipment expense
  • $1,212Additional noninterest expense
  • -$411Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$411Income before extraordinary items
  • $0Extraordinary gains - net
  • -$411Net income attributable to bank
  • $0Net charge-offs
  • -$411Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • -0.49%Net operating income to assets
  • -0.49%Return on assets (ROA)
  • -0.49%Pretax return on assets
  • -2.29%Return on equity (ROE)
  • -2.29%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 108,351Assets per employee
  • 6.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.31%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
  • 87.37%Net loans and leases to core deposits
  • 92.82%Equity capital to assets
  • 20.03%Core capital (leverage) ratio
  • 19.39%Tier 1 risk-based capital ratio
  • 26.14%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $83,447Average earning assets
  • $17,936Average equity
  • $74,019Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0468984Chattahoochee Bank Of Georgia643 E. E. Butler Parkway, Gainesville, GA 30501September 15, 2008Full Service Brick and Mortar

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