First National Bank of Northwest Georgia in Calhoun, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 12, 2001

  • First National Bank of Northwest Georgia in Calhoun, Georgia (GA)
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First National Bank of Northwest Georgia - Overview

  • General
  • FDIC Certificate #: 2122
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company (#9846)
    Federal Reserve ID: 120636
    Date Established: January 12, 1905
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 12249
    FDIC's unique #: 1397
    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: January 01, 1934
    Last Structure Change Effective Date: May 12, 2001
    Last Structure Change Process Date: June 26, 2001
    Last Data Update: June 26, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 215 North Wall Street, Calhoun, GA 30701
    County: Gordon
    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
    Core Based Statistical Area (CBSA): Calhoun, GA (#15660)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $211.8 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, 2000)

  • Dollar figures in thousands
  • 82Total employees (full-time equivalent)
  • $197,281Total assets
  • $10,327Cash and due from depository institutions
  • $5Interest-bearing balances
  • $35,524Securities
  • $11,628Federal funds sold & reverse repurchase agreements
  • $128,145Net loans & leases
  • $3,672Loan loss allowance
  • $0Trading account assets
  • $8,312Bank premises and fixed assets
  • $0Other real estate owned
  • $854Goodwill and other intangibles
  • $0Life insurance assets
  • $2,491All other assets
  • $197,281Total liabilities and capital
  • $178,866Total liabilities
  • $176,680Total deposits
  • $145,567Interest-bearing deposits
  • $176,680Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $595Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,591All other liabilities
  • $18,415Total equity capital
  • $18,415Total bank equity capital
  • $18,415Perpetual preferred stock
  • $0Common stock
  • $1,510Surplus
  • $10,687Undivided profits
  • Memoranda
  • $6,218Noncurrent loans and leases
  • $39,791Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,613Earning assets
  • $0Long-term assets (5+ years)
  • $977Average Assets, year-to-date
  • $175,302Average Assets, quarterly
  • $64,011Volatile liabilities
  • $206,440Insider loans
  • $198,018FHLB advances
  • $27,434Loans and leases held for sale
  • $2,193Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $39,791Total unused commitments
  • $0Restructured Loans and leases
  • $1,756Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $15,602Total interest income
  • $7,220Total interest expense
  • $8,382Net interest income
  • $993Provision for loan and lease losses
  • $1,454Total noninterest income
  • $0Fiduciary activities
  • $1,011Service charges on deposit accounts
  • $0Trading account gains & fees
  • $443Additional noninterest income
  • $7,767Total noninterest expense
  • $4,049Salaries and employee benefits
  • $1,387Premises and equipment expense
  • $2,331Additional noninterest expense
  • $1,076Pre-tax net operating income
  • -$376Securities gains (losses)
  • $293Applicable income taxes
  • $407Income before extraordinary items
  • $0Extraordinary gains - net
  • $407Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $383Sale, conversion, retirement of capital stock, net
  • $625Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.46%Yield on earning assets
  • 3.91%Cost of funding earning assets
  • 4.54%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 2.45%Return on equity (ROE)
  • -1.31%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 259.27%Credit loss provision to net charge-offs
  • 5.40%Efficiency ratio
  • 76,118Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 153.56%Loss allowance to loans
  • 2.79%Loss allowance to noncurrent loans
  • 101.63%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 2.74%Net loans and leases to deposits
  • 72.53%Net loans and leases to core deposits
  • 85.52%Equity capital to assets
  • 9.33%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 12.69%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $206,440Average earning assets
  • $16,611Average equity
  • $184,513Average loans

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