FDIC Certificate #: 58810 Status: Active Federal Reserve ID: 3817964 Date Established: September 15, 2008 WWW:http://www.chattahoocheebank.com 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
No
ID
Name
Address
Established
Service Type
Map
0
468984
Chattahoochee Bank Of Georgia
643 E. E. Butler Parkway, Gainesville, GA 30501
September 15, 2008
Full Service Brick and Mortar
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