Embry Bank in Lawrenceville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 06, 2002

  • Embry Bank in Lawrenceville, Georgia (GA)
  • Show street view No street view available for this location

Embry Bank - Overview

  • General
  • FDIC Certificate #: 27124
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank of the South (#35390)
    Federal Reserve ID: 1160808
    Date Established: December 07, 1987
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    OTS Docket #: 11069
    FDIC's unique #: 38826
    Numeric code: 13
    Regulator: FED
    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 07, 1987
    Last Structure Change Effective Date: December 06, 2002
    Last Structure Change Process Date: November 22, 2002
    Last Data Update: November 22, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 850 Lawrenceville-Suwanee Road, Lawrenceville, GA 30043
    County: Gwinnett
    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: $118.5 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, 2001)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $110,972Total assets
  • $6,644Cash and due from depository institutions
  • $0Interest-bearing balances
  • $23,555Securities
  • $12,366Federal funds sold & reverse repurchase agreements
  • $62,532Net loans & leases
  • $1,681Loan loss allowance
  • $0Trading account assets
  • $4,241Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,634All other assets
  • $110,972Total liabilities and capital
  • $102,031Total liabilities
  • $100,934Total deposits
  • $82,055Interest-bearing deposits
  • $100,934Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $774Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $323All other liabilities
  • $8,941Total equity capital
  • $8,941Total bank equity capital
  • $8,941Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $2,500Undivided profits
  • Memoranda
  • $3,941Noncurrent loans and leases
  • $20,120Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $522Average Assets, year-to-date
  • $98,453Average Assets, quarterly
  • $16,070Volatile liabilities
  • $102,610Insider loans
  • $106,579FHLB advances
  • $7,554Loans and leases held for sale
  • $208Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,120Total unused commitments
  • $0Restructured Loans and leases
  • $1,065Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $6,680Total interest income
  • $2,837Total interest expense
  • $3,843Net interest income
  • $15Provision for loan and lease losses
  • -$129Total noninterest income
  • $0Fiduciary activities
  • $368Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$497Additional noninterest income
  • $4,106Total noninterest expense
  • $2,268Salaries and employee benefits
  • $778Premises and equipment expense
  • $1,060Additional noninterest expense
  • -$407Pre-tax net operating income
  • $0Securities gains (losses)
  • $518Applicable income taxes
  • -$925Income before extraordinary items
  • $0Extraordinary gains - net
  • -$925Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$10Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.37%Yield on earning assets
  • 3.13%Cost of funding earning assets
  • 4.24%Net interest margin
  • -0.14%Noninterest income to earning assets
  • 4.53%Noninterest expense to earning assets
  • -0.90%Net operating income to assets
  • -0.90%Return on assets (ROA)
  • -0.40%Pretax return on assets
  • -9.82%Return on equity (ROE)
  • -10.88%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -150.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 110,555Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -10.81%Loss allowance to loans
  • 2.62%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
  • 61.95%Net loans and leases to core deposits
  • 66.41%Equity capital to assets
  • 8.06%Core capital (leverage) ratio
  • 8.82%Tier 1 risk-based capital ratio
  • 10.25%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $102,610Average earning assets
  • $9,418Average equity
  • $90,697Average loans

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