Home Town Bank of Villa Rica in Villa Rica, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 25, 2008

  • Home Town Bank of Villa Rica in Villa Rica, Georgia (GA)
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Home Town Bank of Villa Rica - Overview

  • General
  • FDIC Certificate #: 34391
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SunTrust Bank (#867)
    Federal Reserve ID: 2622198
    Date Established: October 22, 1997
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 57154
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 22, 1997
    Last Structure Change Effective Date: July 25, 2008
    Last Structure Change Process Date: August 11, 2008
    Last Data Update: August 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1849 Carrollton Villa Rica Highway, Villa Rica, GA 30180
    County: Carroll
    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: $224.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $234,957Total assets
  • $12,221Cash and due from depository institutions
  • $9,549Interest-bearing balances
  • $29,532Securities
  • $11,476Federal funds sold & reverse repurchase agreements
  • $154,978Net loans & leases
  • $6,474Loan loss allowance
  • $0Trading account assets
  • $3,512Bank premises and fixed assets
  • $6,939Other real estate owned
  • $8,641Goodwill and other intangibles
  • $0Life insurance assets
  • $7,658All other assets
  • $234,957Total liabilities and capital
  • $209,934Total liabilities
  • $194,598Total deposits
  • $185,707Interest-bearing deposits
  • $194,598Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,616Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,410Other borrowed funds
  • $0Subordinated debt
  • $2,310All other liabilities
  • $25,023Total equity capital
  • $25,023Total bank equity capital
  • $25,023Perpetual preferred stock
  • $0Common stock
  • $3,929Surplus
  • $25,931Undivided profits
  • Memoranda
  • $-4,837Noncurrent loans and leases
  • $10,746Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $35,175Earning assets
  • $0Long-term assets (5+ years)
  • $1,404Average Assets, year-to-date
  • $205,535Average Assets, quarterly
  • $13,867Volatile liabilities
  • $257,115Insider loans
  • $240,775FHLB advances
  • $73,755Loans and leases held for sale
  • $3,482Unused loan commitments
  • $9,410Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,746Total unused commitments
  • $0Restructured Loans and leases
  • $2,262Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $15,629Total interest income
  • $10,474Total interest expense
  • $5,155Net interest income
  • $6,465Provision for loan and lease losses
  • $74Total noninterest income
  • $0Fiduciary activities
  • $620Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$546Additional noninterest income
  • $5,869Total noninterest expense
  • $2,899Salaries and employee benefits
  • $523Premises and equipment expense
  • $2,447Additional noninterest expense
  • -$7,105Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2,773Applicable income taxes
  • -$4,332Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,332Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $9,234Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.86%Yield on earning assets
  • 4.60%Cost of funding earning assets
  • 2.26%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • -1.68%Net operating income to assets
  • -1.68%Return on assets (ROA)
  • -2.76%Pretax return on assets
  • -16.66%Return on equity (ROE)
  • -16.66%Retained earnings to average equity (YTD only)
  • 4.71%Net charge-offs to loans
  • 70.01%Credit loss provision to net charge-offs
  • -0.07%Efficiency ratio
  • 111,015Assets per employee
  • 6.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.01%Loss allowance to noncurrent loans
  • 18.41%Noncurrent assets plus other real estate owned to assets
  • 17.92%Noncurrent loans to loans
  • 21.79%Net loans and leases to deposits
  • 79.64%Net loans and leases to core deposits
  • 115.77%Equity capital to assets
  • 10.65%Core capital (leverage) ratio
  • 7.14%Tier 1 risk-based capital ratio
  • 9.31%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $257,115Average earning assets
  • $25,997Average equity
  • $227,754Average loans

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