FDIC Certificate #: 33800 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Financial Bank (#90017) Federal Reserve ID: 2042684 Date Established: May 07, 1993 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 48079 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: May 07, 1993 Last Structure Change Effective Date: January 01, 2003 Last Structure Change Process Date: January 28, 2003 Last Data Update: January 28, 2003 Data Source Date: April 05, 2012
Location
Address: 5660 New Northside Drive, Suite 1400, Atlanta, GA 30328 County: Fulton Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Dallas 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: $241.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
14Total employees (full-time equivalent)
$241,412Total assets
$80,930Cash and due from depository institutions
$80,930Interest-bearing balances
$93,281Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$67,201All other assets
$241,412Total liabilities and capital
$147,503Total liabilities
$10,000Total deposits
$10,000Interest-bearing deposits
$10,000Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$137,503All other liabilities
$93,909Total equity capital
$93,909Total bank equity capital
$93,909Perpetual preferred stock
$0Common stock
$3,000Surplus
$67,000Undivided profits
Memoranda
$23,909Noncurrent loans and leases
$0Noncurrent 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)
$0Average Assets, year-to-date
$174,211Average Assets, quarterly
$0Volatile liabilities
$243,756Insider loans
$252,950FHLB advances
$10,000Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$3,681Total interest income
$52Total interest expense
$3,629Net interest income
$0Provision for loan and lease losses
$0Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$1,132Total noninterest expense
$1,136Salaries and employee benefits
$0Premises and equipment expense
-$4Additional noninterest expense
$2,497Pre-tax net operating income
$0Securities gains (losses)
$988Applicable income taxes
$1,509Income before extraordinary items
$0Extraordinary gains - net
$1,509Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$2,000Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.31%Yield on earning assets
0.03%Cost of funding earning assets
2.28%Net interest margin
0.00%Noninterest income to earning assets
0.71%Noninterest expense to earning assets
0.62%Net operating income to assets
0.62%Return on assets (ROA)
1.02%Pretax return on assets
1.61%Return on equity (ROE)
-0.52%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
31,193Assets per employee
17.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
132.54%Loss allowance to loans
0.00%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
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
38.90%Core capital (leverage) ratio
44.39%Tier 1 risk-based capital ratio
80.19%Total risk-based capital ratio
Memoranda
$80Average assets
$243,756Average earning assets
$93,788Average equity
$159,318Average loans
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