First National Bank of Northwest Georgia in city_name, state_name

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

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

First National Bank of Northwest Georgia - Overview

Assets and Liabilities (December 31, 2000)

Income and Expense (December 31, 2000)

Performance and Condition Ratios (December 31, 2000)

Comment about this bank, ask questions, or add new information about it:

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

First National Bank of Northwest Georgia - Overview

Assets and Liabilities (December 31, 2000)

Income and Expense (December 31, 2000)

Performance and Condition Ratios (December 31, 2000)

Comment about this bank, ask questions, or add new information about it:

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