KeyWorth Bank in Johns Creek, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • KeyWorth Bank in Johns Creek, Georgia (GA)
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KeyWorth Bank - Overview

  • General
  • FDIC Certificate #: 58617
    Status: Active
    Federal Reserve ID: 3642287
    Date Established: October 15, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 458787
    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: October 15, 2007
    Last Structure Change Effective Date: June 03, 2008
    Last Structure Change Process Date: June 25, 2008
    Last Data Update: June 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 11655 Medlock Bridge Road, Johns Creek, GA 30097
    County: Fulton
    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
  • Change in Location
  • Financial Summary
  • Total assets: $335.2 mil
    Equity capital: $35.7 mil
    Deposits held in domestic offices: $288.7 mil
    Return on assets (ROA): 0.95% ($3.2 mil)
    Quarterly return on assets: 2.46% ($8.2 mil)
    Return on Equity (ROE): 8.77% ($3.2 mil)
    Quarterly return on equity: 22.99% ($8.3 mil)
    Net income: $2.9 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 0.41% ($1,374.4 mil)
    Quarterly Pretax return on assets: 0.37% ($1,240.3 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
  • 37Total employees (full-time equivalent)
  • $335,226Total assets
  • $40,778Cash and due from depository institutions
  • $37,275Interest-bearing balances
  • $130,835Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,407Net loans & leases
  • $2,317Loan loss allowance
  • $0Trading account assets
  • $6,924Bank premises and fixed assets
  • $1,702Other real estate owned
  • $0Goodwill and other intangibles
  • $335,225Life insurance assets
  • $8,580All other assets
  • $299,563Total liabilities and capital
  • $288,703Total liabilities
  • $263,641Total deposits
  • $288,703Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 4511.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $1,349Subordinated debt
  • $35,662All other liabilities
  • $35,662Total equity capital
  • $35,662Total bank equity capital
  • $0Perpetual preferred stock
  • $18,121Common stock
  • $19,980Surplus
  • $-2,439Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,901Income earned, not collected on loans
  • $0Earning assets
  • $1,011Long-term assets (5+ years)
  • $314,517Average Assets, year-to-date
  • $158,867Average Assets, quarterly
  • $310,480Volatile liabilities
  • $328,058Insider loans
  • $193,717FHLB advances
  • $330,551Loans and leases held for sale
  • $5,396Unused loan commitments
  • $5,396Tier 1 (core) risk-based capital
  • $34,723Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,271Restructured Loans and leases
  • $439Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,917Total interest income
  • $3,796Total interest expense
  • $9,121Net interest income
  • $970Provision for loan and lease losses
  • -$804Total noninterest income
  • $0Fiduciary activities
  • $81Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$885Additional noninterest income
  • $6,466Total noninterest expense
  • $3,766Salaries and employee benefits
  • $898Premises and equipment expense
  • $1,802Additional noninterest expense
  • $881Pre-tax net operating income
  • $378Securities gains (losses)
  • -$1,690Applicable income taxes
  • $2,949Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,949Net income attributable to bank
  • $0Net charge-offs
  • $2,949Cash dividends
  • $1,214Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 3.15%Net interest margin
  • -0.28%Noninterest income to earning assets
  • 2.23%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 8.77%Return on equity (ROE)
  • 8.77%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 79.90%Credit loss provision to net charge-offs
  • 1.52%Efficiency ratio
  • 77,744Assets per employee
  • 9.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 33.57%Noncurrent assets plus other real estate owned to assets
  • 2.57%Noncurrent loans to loans
  • 4.64%Net loans and leases to deposits
  • 50.71%Net loans and leases to core deposits
  • 55.68%Equity capital to assets
  • 10.64%Core capital (leverage) ratio
  • 10.50%Tier 1 risk-based capital ratio
  • 17.92%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $310,480Average earning assets
  • $33,638Average equity
  • $289,683Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0458787Keyworth Bank11655 Medlock Bridge Road, Johns Creek, GA 30097October 15, 2007Full Service Brick and Mortar
    1477906Haynes Bridge Road Branch9925 Haynes Bridge Road, Johns Creek, GA 30022June 03, 2008Full Service Brick and Mortar
    2498620Duluth Branch6515 Sugarloaf Parkway, Duluth, GA 30097November 30, 2009Full Service Brick and Mortar

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