First Liberty Bank in Macon, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 20, 2000

  • First Liberty Bank in Macon, Georgia (GA)
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First Liberty Bank - Overview

  • General
  • FDIC Certificate #: 29568
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 452177
    Date Established: November 01, 1935
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3678
    FDIC's unique #: 42402
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: December 14, 1935
    Last Structure Change Effective Date: May 20, 2000
    Last Structure Change Process Date: June 07, 2000
    Last Data Update: June 07, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Second St, Macon, GA 31297
    County: Bibb
    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): Macon, GA (#4680)
    Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
    Core Based Statistical Area (CBSA): Macon, GA (#31420)
    CBSA Metro Statistical Area: Macon, GA (#31420)
  • Financial Summary
  • Total assets: $1,810.6 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
  • 674Total employees (full-time equivalent)
  • $1,765,277Total assets
  • $63,640Cash and due from depository institutions
  • $6,373Interest-bearing balances
  • $399,005Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,176,554Net loans & leases
  • $16,397Loan loss allowance
  • $0Trading account assets
  • $27,686Bank premises and fixed assets
  • $1,406Other real estate owned
  • $36,406Goodwill and other intangibles
  • $0Life insurance assets
  • $60,580All other assets
  • $1,765,277Total liabilities and capital
  • $1,641,619Total liabilities
  • $1,064,842Total deposits
  • $944,762Interest-bearing deposits
  • $1,064,842Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $350,424Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $199,999Other borrowed funds
  • $0Subordinated debt
  • $26,354All other liabilities
  • $123,658Total equity capital
  • $123,658Total bank equity capital
  • $123,658Perpetual preferred stock
  • $0Common stock
  • $1,679Surplus
  • $69,973Undivided profits
  • Memoranda
  • $52,006Noncurrent loans and leases
  • $354,442Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7,467Earning assets
  • $0Long-term assets (5+ years)
  • $8,738Average Assets, year-to-date
  • $1,581,932Average Assets, quarterly
  • $0Volatile liabilities
  • $1,707,067Insider loans
  • $1,752,002FHLB advances
  • $778,122Loans and leases held for sale
  • $92Unused loan commitments
  • $199,999Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $354,442Total unused commitments
  • $1,900Restructured Loans and leases
  • $16,397Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $125,905Total interest income
  • $65,258Total interest expense
  • $60,647Net interest income
  • $9,728Provision for loan and lease losses
  • $16,605Total noninterest income
  • $0Fiduciary activities
  • $79Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16,526Additional noninterest income
  • $60,293Total noninterest expense
  • $32,426Salaries and employee benefits
  • $8,714Premises and equipment expense
  • $19,153Additional noninterest expense
  • $7,231Pre-tax net operating income
  • $5,684Securities gains (losses)
  • $4,099Applicable income taxes
  • $8,816Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,816Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $8,264Sale, conversion, retirement of capital stock, net
  • $10,000Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.24%Yield on earning assets
  • 4.27%Cost of funding earning assets
  • 3.97%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 6.77%Return on equity (ROE)
  • -0.91%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 117.72%Credit loss provision to net charge-offs
  • 2.05%Efficiency ratio
  • 75,594Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 113.43%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 219.59%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 110.49%Net loans and leases to core deposits
  • 140.54%Equity capital to assets
  • 7.01%Core capital (leverage) ratio
  • 6.92%Tier 1 risk-based capital ratio
  • 9.28%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $1,707,067Average earning assets
  • $130,142Average equity
  • $1,528,012Average loans

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