First Citizens Bank in Fayetteville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 15, 2000

  • First Citizens Bank in Fayetteville, Georgia (GA)
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First Citizens Bank - Overview

  • General
  • FDIC Certificate #: 33074
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 1464140
    Date Established: August 06, 1990
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 10907
    FDIC's unique #: 46306
    Numeric code: 21
    Regulator: FDIC
    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: August 06, 1990
    Last Structure Change Effective Date: July 15, 2000
    Last Structure Change Process Date: August 16, 2000
    Last Data Update: August 16, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 675 North Jefferson Davis Drive, Fayetteville, GA 30214
    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: $186.6 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, 1999)

  • Dollar figures in thousands
  • 40Total employees (full-time equivalent)
  • $194,000Total assets
  • $9,490Cash and due from depository institutions
  • $45Interest-bearing balances
  • $24,076Securities
  • $2,910Federal funds sold & reverse repurchase agreements
  • $144,533Net loans & leases
  • $3,197Loan loss allowance
  • $0Trading account assets
  • $3,660Bank premises and fixed assets
  • $2Other real estate owned
  • $6,247Goodwill and other intangibles
  • $0Life insurance assets
  • $3,082All other assets
  • $194,000Total liabilities and capital
  • $169,371Total liabilities
  • $155,417Total deposits
  • $124,808Interest-bearing deposits
  • $155,417Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $10,031Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $43Other borrowed funds
  • $0Subordinated debt
  • $3,880All other liabilities
  • $24,629Total equity capital
  • $24,629Total bank equity capital
  • $24,629Perpetual preferred stock
  • $0Common stock
  • $6,322Surplus
  • $13,605Undivided profits
  • Memoranda
  • $4,702Noncurrent loans and leases
  • $47,901Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $32Earning assets
  • $0Long-term assets (5+ years)
  • $824Average Assets, year-to-date
  • $171,564Average Assets, quarterly
  • $3,525Volatile liabilities
  • $188,541Insider loans
  • $191,482FHLB advances
  • $29,334Loans and leases held for sale
  • $6,723Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $47,901Total unused commitments
  • $0Restructured Loans and leases
  • $2,074Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $15,297Total interest income
  • $5,942Total interest expense
  • $9,355Net interest income
  • $266Provision for loan and lease losses
  • $974Total noninterest income
  • $0Fiduciary activities
  • $644Service charges on deposit accounts
  • $0Trading account gains & fees
  • $330Additional noninterest income
  • $7,800Total noninterest expense
  • $2,791Salaries and employee benefits
  • $1,093Premises and equipment expense
  • $3,916Additional noninterest expense
  • $2,263Pre-tax net operating income
  • -$71Securities gains (losses)
  • $836Applicable income taxes
  • $1,356Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,356Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$63Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.10%Yield on earning assets
  • 3.54%Cost of funding earning assets
  • 5.57%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 4.64%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 5.61%Return on equity (ROE)
  • 5.61%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • -422.22%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,924Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 9990.63%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 93.00%Net loans and leases to core deposits
  • 106.19%Equity capital to assets
  • 12.70%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 11.27%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $188,541Average earning assets
  • $24,179Average equity
  • $168,019Average loans

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