First Citizens Bank of Clayton County in Riverdale, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 12, 1999

  • First Citizens Bank of Clayton County in Riverdale, Georgia (GA)
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First Citizens Bank of Clayton County - Overview

  • General
  • FDIC Certificate #: 25042
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Citizens Bank (#33074)
    Federal Reserve ID: 961035
    Date Established: March 17, 1984
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 17331
    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: March 17, 1984
    Last Structure Change Effective Date: Febuary 12, 1999
    Last Structure Change Process Date: May 11, 1999
    Last Data Update: May 11, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 6375 Highway 85, Riverdale, GA 30274
    County: Clayton
    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: $67.3 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
  • 25Total employees (full-time equivalent)
  • $67,280Total assets
  • $2,415Cash and due from depository institutions
  • $0Interest-bearing balances
  • $12,092Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $46,906Net loans & leases
  • $1,255Loan loss allowance
  • $0Trading account assets
  • $2,622Bank premises and fixed assets
  • $0Other real estate owned
  • $2,042Goodwill and other intangibles
  • $0Life insurance assets
  • $1,203All other assets
  • $67,280Total liabilities and capital
  • $58,284Total liabilities
  • $53,870Total deposits
  • $41,948Interest-bearing deposits
  • $53,870Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,150Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $264All other liabilities
  • $8,996Total equity capital
  • $8,996Total bank equity capital
  • $8,996Perpetual preferred stock
  • $0Common stock
  • $2,800Surplus
  • $5,377Undivided profits
  • Memoranda
  • $819Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $24Earning assets
  • $0Long-term assets (5+ years)
  • $354Average Assets, year-to-date
  • $58,998Average Assets, quarterly
  • $4,085Volatile liabilities
  • $65,883Insider loans
  • $67,276FHLB advances
  • $10,494Loans and leases held for sale
  • $29Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $19,357Total unused commitments
  • $0Restructured Loans and leases
  • $55,047Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $4,762Total interest income
  • $2,134Total interest expense
  • $2,628Net interest income
  • $252Provision for loan and lease losses
  • $736Total noninterest income
  • $0Fiduciary activities
  • $330Service charges on deposit accounts
  • $0Trading account gains & fees
  • $406Additional noninterest income
  • $2,667Total noninterest expense
  • $1,034Salaries and employee benefits
  • $414Premises and equipment expense
  • $1,219Additional noninterest expense
  • $445Pre-tax net operating income
  • $234Securities gains (losses)
  • $30Applicable income taxes
  • $649Income before extraordinary items
  • $0Extraordinary gains - net
  • $649Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.35%Yield on earning assets
  • 3.74%Cost of funding earning assets
  • 4.61%Net interest margin
  • 1.29%Noninterest income to earning assets
  • 4.68%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 7.27%Return on equity (ROE)
  • 0.55%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 1800.00%Credit loss provision to net charge-offs
  • 49.79%Efficiency ratio
  • 75,951Assets per employee
  • 2.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.45%Loss allowance to loans
  • 2.61%Loss allowance to noncurrent loans
  • 5229.17%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 87.07%Net loans and leases to core deposits
  • 98.70%Equity capital to assets
  • 13.37%Core capital (leverage) ratio
  • 10.47%Tier 1 risk-based capital ratio
  • 12.55%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $65,883Average earning assets
  • $8,931Average equity
  • $57,008Average loans

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