Decatur Federal Savings and Loan Association in Decatur, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 1993

  • Decatur Federal Savings and Loan Association in Decatur, Georgia (GA)
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Decatur Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29684
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Union National Bank of Georgia (#20147)
    Federal Reserve ID: 466576
    Date Established: January 01, 1926
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3880
    FDIC's unique #: 42518
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: April 17, 1935
    Last Structure Change Effective Date: March 01, 1993
    Last Structure Change Process Date: March 15, 1993
    Last Data Update: March 15, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 250 E Ponce De Leon Avenue, Decatur, GA 30030
    County: Dekalb
    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: $2,664.2 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $827Total assets
  • $2,664,228Cash and due from depository institutions
  • $207,198Interest-bearing balances
  • $145,661Securities
  • $331,691Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $1,986,570Loan loss allowance
  • $22,515Trading account assets
  • $0Bank premises and fixed assets
  • $37,643Other real estate owned
  • $19,011Goodwill and other intangibles
  • $78,806Life insurance assets
  • $3,309All other assets
  • $0Total liabilities and capital
  • $2,664,228Total liabilities
  • $2,547,761Total deposits
  • $1,963,308Interest-bearing deposits
  • $1,864,812Deposits held in domestic offices
  • 1963308.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $138,109Trading liabilities
  • $0Other borrowed funds
  • $369,528Subordinated debt
  • $0All other liabilities
  • $76,816Total equity capital
  • $76,816Total bank equity capital
  • $116,467Perpetual preferred stock
  • $0Common stock
  • $4,627Surplus
  • $37,944Undivided profits
  • Memoranda
  • $73,896Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $22,871Income earned, not collected on loans
  • $14,328Earning assets
  • $2,463,922Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $2,623,914Average Assets, quarterly
  • $2,637,541Volatile liabilities
  • $638,306Insider loans
  • $0FHLB advances
  • $363,720Loans and leases held for sale
  • $0Unused loan commitments
  • $280,135Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $111,675Total risk weighted assets
  • $1,536,177Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $214,764Total interest expense
  • $143,655Net interest income
  • $71,109Provision for loan and lease losses
  • $14,101Total noninterest income
  • $27,465Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $27,465Total noninterest expense
  • $122,110Salaries and employee benefits
  • $44,620Premises and equipment expense
  • $21,445Additional noninterest expense
  • $56,045Pre-tax net operating income
  • -$37,637Securities gains (losses)
  • $20,850Applicable income taxes
  • -$239Income before extraordinary items
  • -$16,548Extraordinary gains - net
  • $8,000Net income attributable to bank
  • -$8,548Net charge-offs
  • $4,117Cash dividends
  • $1,110Sale, conversion, retirement of capital stock, net
  • $361Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.91%Cost of funding earning assets
  • 5.96%Net interest margin
  • 2.95%Noninterest income to earning assets
  • 1.14%Noninterest expense to earning assets
  • 5.07%Net operating income to assets
  • -1.42%Return on assets (ROA)
  • -0.33%Pretax return on assets
  • -0.33%Return on equity (ROE)
  • -6.43%Retained earnings to average equity (YTD only)
  • -7.27%Net charge-offs to loans
  • 0.21%Credit loss provision to net charge-offs
  • 342.51%Efficiency ratio
  • 123,070Assets per employee
  • 3.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -12.99%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 98.44%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 1.14%Net loans and leases to deposits
  • 101.18%Net loans and leases to core deposits
  • 108.40%Equity capital to assets
  • 4.37%Core capital (leverage) ratio
  • 4.21%Tier 1 risk-based capital ratio
  • 7.27%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $2,623,914Average earning assets
  • $132,841Average equity
  • $2,410,789Average loans

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