Fayette County Bank in Peachtree City, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 25, 1999

  • Fayette County Bank in Peachtree City, Georgia (GA)
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Fayette County Bank - Overview

  • General
  • FDIC Certificate #: 32706
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 1407503
    Date Established: November 03, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 13297
    FDIC's unique #: 45541
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 03, 1989
    Last Structure Change Effective Date: June 25, 1999
    Last Structure Change Process Date: July 07, 1999
    Last Data Update: July 07, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 Peachtree Parkway South, Peachtree City, GA 30269
    County: Fayette
    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: $119.6 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $122,930Total assets
  • $7,438Cash and due from depository institutions
  • $111Interest-bearing balances
  • $17,232Securities
  • $4,330Federal funds sold & reverse repurchase agreements
  • $89,139Net loans & leases
  • $1,489Loan loss allowance
  • $0Trading account assets
  • $2,637Bank premises and fixed assets
  • $152Other real estate owned
  • $158Goodwill and other intangibles
  • $0Life insurance assets
  • $1,844All other assets
  • $122,930Total liabilities and capital
  • $111,387Total liabilities
  • $109,170Total deposits
  • $89,382Interest-bearing deposits
  • $109,170Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,217All other liabilities
  • $11,543Total equity capital
  • $11,543Total bank equity capital
  • $11,543Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $7,500Undivided profits
  • Memoranda
  • $3,543Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $488Earning assets
  • $0Long-term assets (5+ years)
  • $741Average Assets, year-to-date
  • $110,812Average Assets, quarterly
  • $11,317Volatile liabilities
  • $125,030Insider loans
  • $123,415FHLB advances
  • $14,878Loans and leases held for sale
  • $1,041Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $21,325Total unused commitments
  • $0Restructured Loans and leases
  • $97,088Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $10,850Total interest income
  • $4,336Total interest expense
  • $6,514Net interest income
  • $0Provision for loan and lease losses
  • $690Total noninterest income
  • $0Fiduciary activities
  • $549Service charges on deposit accounts
  • $0Trading account gains & fees
  • $141Additional noninterest income
  • $5,177Total noninterest expense
  • $2,778Salaries and employee benefits
  • $687Premises and equipment expense
  • $1,712Additional noninterest expense
  • $2,027Pre-tax net operating income
  • -$6Securities gains (losses)
  • $759Applicable income taxes
  • $1,262Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,262Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $215Sale, conversion, retirement of capital stock, net
  • $203Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.51%Yield on earning assets
  • 3.80%Cost of funding earning assets
  • 5.71%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 4.54%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 11.45%Return on equity (ROE)
  • 9.61%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 9.43%Efficiency ratio
  • 70,877Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.09%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 305.12%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 81.65%Net loans and leases to core deposits
  • 94.54%Equity capital to assets
  • 9.39%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 11.67%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $125,030Average earning assets
  • $11,019Average equity
  • $114,089Average loans

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