FDIC Certificate #: 34718 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Capital Bank (#32736) Federal Reserve ID: 2688448 Date Established: July 27, 1998 WWW:http://www.bankthehooch.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) FDIC's unique #: 61322 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: July 27, 1998 Last Structure Change Effective Date: November 15, 2004 Last Structure Change Process Date: December 01, 2004 Last Data Update: December 01, 2004 Data Source Date: April 05, 2012
Location
Address: 7855 Northpoint Parkway, Suite 200, Alpharetta, GA 30022 County: Fulton 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: $166.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
27Total employees (full-time equivalent)
$142,490Total assets
$1,884Cash and due from depository institutions
$362Interest-bearing balances
$38,477Securities
$233Federal funds sold & reverse repurchase agreements
$92,848Net loans & leases
$1,004Loan loss allowance
$0Trading account assets
$787Bank premises and fixed assets
$317Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$7,944All other assets
$142,490Total liabilities and capital
$131,853Total liabilities
$96,042Total deposits
$83,661Interest-bearing deposits
$96,042Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$33,765Other borrowed funds
$0Subordinated debt
$2,046All other liabilities
$10,637Total equity capital
$10,637Total bank equity capital
$10,637Perpetual preferred stock
$0Common stock
$4,800Surplus
$5,400Undivided profits
Memoranda
$437Noncurrent loans and leases
$15,311Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$869Earning assets
$639Long-term assets (5+ years)
$476Average Assets, year-to-date
$131,920Average Assets, quarterly
$25,121Volatile liabilities
$131,195Insider loans
$142,412FHLB advances
$49,737Loans and leases held for sale
$2,926Unused loan commitments
$33,765Tier 1 (core) risk-based capital
$5,000Tier 2 risk-based capital
$289Total risk weighted assets
$15,311Total unused commitments
$0Restructured Loans and leases
$1,004Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$7,054Total interest income
$3,108Total interest expense
$3,946Net interest income
$183Provision for loan and lease losses
$1,214Total noninterest income
$0Fiduciary activities
$53Service charges on deposit accounts
$0Trading account gains & fees
$1,161Additional noninterest income
$4,057Total noninterest expense
$2,405Salaries and employee benefits
$546Premises and equipment expense
$1,106Additional noninterest expense
$920Pre-tax net operating income
$0Securities gains (losses)
$59Applicable income taxes
$861Income before extraordinary items
$0Extraordinary gains - net
$861Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$97Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.81%Yield on earning assets
2.56%Cost of funding earning assets
3.25%Net interest margin
1.00%Noninterest income to earning assets
3.34%Noninterest expense to earning assets
0.66%Net operating income to assets
0.66%Return on assets (ROA)
0.70%Pretax return on assets
8.59%Return on equity (ROE)
8.59%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
188.66%Credit loss provision to net charge-offs
11.37%Efficiency ratio
78,624Assets per employee
5.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
115.54%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
0.93%Net loans and leases to deposits
96.67%Net loans and leases to core deposits
144.92%Equity capital to assets
7.47%Core capital (leverage) ratio
7.67%Tier 1 risk-based capital ratio
10.11%Total risk-based capital ratio
Memoranda
$11Average assets
$131,195Average earning assets
$10,020Average equity
$121,366Average loans
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