FDIC Certificate #: 57261 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Tennessee Bank, National Association (#4977) Federal Reserve ID: 3072129 Date Established: March 25, 2002 WWW:http://www.fnbwestmetro.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 360274 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: March 25, 2002 Last Structure Change Effective Date: August 26, 2005 Last Structure Change Process Date: September 21, 2005 Last Data Update: September 21, 2005 Data Source Date: April 05, 2012
Location
Address: 68 First National Drive, Dallas, GA 30157 County: Paulding 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: $134.0 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2004)
Dollar figures in thousands
32Total employees (full-time equivalent)
$130,743Total assets
$2,819Cash and due from depository institutions
$0Interest-bearing balances
$5,833Securities
$10,235Federal funds sold & reverse repurchase agreements
$105,780Net loans & leases
$1,555Loan loss allowance
$0Trading account assets
$4,347Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,729All other assets
$130,743Total liabilities and capital
$118,953Total liabilities
$117,629Total deposits
$110,421Interest-bearing deposits
$117,629Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$990Other borrowed funds
$0Subordinated debt
$334All other liabilities
$11,790Total equity capital
$11,790Total bank equity capital
$11,790Perpetual preferred stock
$0Common stock
$5,750Surplus
$5,750Undivided profits
Memoranda
$290Noncurrent loans and leases
$25,509Noncurrent 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)
$542Average Assets, year-to-date
$121,848Average Assets, quarterly
$1,566Volatile liabilities
$101,604Insider loans
$122,304FHLB advances
$42,692Loans and leases held for sale
$4,952Unused loan commitments
$990Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$25,509Total unused commitments
$0Restructured Loans and leases
$1,425Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$6,146Total interest income
$1,842Total interest expense
$4,304Net interest income
$660Provision for loan and lease losses
$306Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
$217Additional noninterest income
$2,864Total noninterest expense
$1,740Salaries and employee benefits
$375Premises and equipment expense
$749Additional noninterest expense
$1,086Pre-tax net operating income
$0Securities gains (losses)
$409Applicable income taxes
$677Income before extraordinary items
$0Extraordinary gains - net
$677Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$4Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.49%Yield on earning assets
1.94%Cost of funding earning assets
4.54%Net interest margin
0.32%Noninterest income to earning assets
3.02%Noninterest expense to earning assets
0.67%Net operating income to assets
0.67%Return on assets (ROA)
1.07%Pretax return on assets
5.95%Return on equity (ROE)
5.95%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
16500.00%Credit loss provision to net charge-offs
436.50%Efficiency ratio
62,126Assets per employee
4.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.45%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
89.93%Net loans and leases to core deposits
141.16%Equity capital to assets
9.02%Core capital (leverage) ratio
9.99%Tier 1 risk-based capital ratio
10.36%Total risk-based capital ratio
Memoranda
$12Average assets
$101,604Average earning assets
$11,374Average equity
$94,758Average loans
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