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- Banks in Georgia (GA)
- First Citizens Bank
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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- Banks in Georgia (GA)
- First Citizens Bank
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