Highland Commercial Bank in Marietta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Highland Commercial Bank in Marietta, Georgia (GA)
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Highland Commercial Bank routing number info

Highland Commercial Bank - Overview

  • General
  • FDIC Certificate #: 57732
    Status: Active
    Federal Reserve ID: 3290231
    Bank Holding Company (Regulatory Top Holder): Highland Financial Services, Inc. (RSSDID: 3527179, Location: Marietta, GA)
    Date Established: August 30, 2004
    WWW: http://www.highlandcommercialbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 423207
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 30, 2004
    Last Structure Change Effective Date: January 01, 2007
    Last Structure Change Process Date: March 01, 2007
    Last Data Update: March 01, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 3411 Ernest Barrett Parkway, Marietta, GA 30064
    County: Cobb
    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)
  • History of Changes
  • Participated in Reorganization
  • Financial Summary
  • Total assets: $133.1 mil
    Equity capital: $12.1 mil
    Deposits held in domestic offices: $113.2 mil
    Return on assets (ROA): 0.28% ($0.4 mil)
    Quarterly return on assets: -0.42% (-$0.6 mil)
    Return on Equity (ROE): 3.13% ($0.4 mil)
    Quarterly return on equity: -4.59% (-$0.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.43% ($572.2 mil)
    Quarterly Pretax return on assets: -0.18% (-$239.5 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, 2011)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $133,081Total assets
  • $8,232Cash and due from depository institutions
  • $7,554Interest-bearing balances
  • $23,967Securities
  • $2,450Federal funds sold & reverse repurchase agreements
  • $89,253Net loans & leases
  • $2,176Loan loss allowance
  • $0Trading account assets
  • $4,621Bank premises and fixed assets
  • $1,881Other real estate owned
  • $0Goodwill and other intangibles
  • $133,081Life insurance assets
  • $2,677All other assets
  • $121,009Total liabilities and capital
  • $113,173Total liabilities
  • $104,269Total deposits
  • $113,173Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,500Trading liabilities
  • $0Other borrowed funds
  • $336Subordinated debt
  • $12,072All other liabilities
  • $12,072Total equity capital
  • $12,072Total bank equity capital
  • $0Perpetual preferred stock
  • $6,285Common stock
  • $6,823Surplus
  • $-1,036Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,601Income earned, not collected on loans
  • $0Earning assets
  • $434Long-term assets (5+ years)
  • $123,224Average Assets, year-to-date
  • $31,578Average Assets, quarterly
  • $134,241Volatile liabilities
  • $134,759Insider loans
  • $97,238FHLB advances
  • $134,455Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,409Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,112Restructured Loans and leases
  • $27Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,168Total interest income
  • $1,996Total interest expense
  • $4,172Net interest income
  • $500Provision for loan and lease losses
  • $401Total noninterest income
  • $0Fiduciary activities
  • $97Service charges on deposit accounts
  • $0Trading account gains & fees
  • $304Additional noninterest income
  • $3,699Total noninterest expense
  • $1,991Salaries and employee benefits
  • $400Premises and equipment expense
  • $1,308Additional noninterest expense
  • $374Pre-tax net operating income
  • $204Securities gains (losses)
  • $204Applicable income taxes
  • $374Income before extraordinary items
  • $0Extraordinary gains - net
  • $374Net income attributable to bank
  • $0Net charge-offs
  • $374Cash dividends
  • $690Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.65%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 0.18%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 3.13%Return on equity (ROE)
  • 3.13%Retained earnings to average equity (YTD only)
  • 0.73%Net charge-offs to loans
  • 72.46%Credit loss provision to net charge-offs
  • 1.27%Efficiency ratio
  • 80,888Assets per employee
  • 4.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 38.85%Noncurrent assets plus other real estate owned to assets
  • 5.62%Noncurrent loans to loans
  • 6.13%Net loans and leases to deposits
  • 78.86%Net loans and leases to core deposits
  • 88.79%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 8.49%Tier 1 risk-based capital ratio
  • 11.73%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $134,241Average earning assets
  • $11,946Average equity
  • $120,832Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0423207Highland Commercial Bank3411 Ernest Barrett Parkway, Marietta, GA 30064August 30, 2004Full Service Brick and Mortar
    1469465Smyrna Office1298 Concord Road, Smyrna, GA 30080November 13, 2007Full Service Brick and Mortar

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