Liberty Bank & Trust in Toccoa, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 25, 2005

  • Liberty Bank & Trust in Toccoa, Georgia (GA)
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Liberty Bank & Trust - Overview

  • General
  • FDIC Certificate #: 26879
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Habersham Bank (#151)
    Federal Reserve ID: 413570
    Date Established: July 24, 1984
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 36172
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 26, 1987
    Last Structure Change Effective Date: July 25, 2005
    Last Structure Change Process Date: August 19, 2005
    Last Data Update: August 19, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 27 N. Big A Road, Toccoa, GA 30577
    County: Stephens
    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): Toccoa, GA (#45740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $23.7 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, 2004)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $25,551Total assets
  • $4,206Cash and due from depository institutions
  • $0Interest-bearing balances
  • $3,542Securities
  • $955Federal funds sold & reverse repurchase agreements
  • $16,207Net loans & leases
  • $198Loan loss allowance
  • $0Trading account assets
  • $249Bank premises and fixed assets
  • $186Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $206All other assets
  • $25,551Total liabilities and capital
  • $22,305Total liabilities
  • $22,211Total deposits
  • $16,703Interest-bearing deposits
  • $22,211Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $94All other liabilities
  • $3,246Total equity capital
  • $3,246Total bank equity capital
  • $3,246Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $2,150Undivided profits
  • Memoranda
  • $346Noncurrent loans and leases
  • $1,858Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $123Earning assets
  • $0Long-term assets (5+ years)
  • $97Average Assets, year-to-date
  • $20,704Average Assets, quarterly
  • $1,752Volatile liabilities
  • $24,386Insider loans
  • $24,576FHLB advances
  • $2,726Loans and leases held for sale
  • $1,043Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,858Total unused commitments
  • $0Restructured Loans and leases
  • $198Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $1,182Total interest income
  • $254Total interest expense
  • $928Net interest income
  • $24Provision for loan and lease losses
  • $245Total noninterest income
  • $0Fiduciary activities
  • $183Service charges on deposit accounts
  • $0Trading account gains & fees
  • $62Additional noninterest income
  • $1,137Total noninterest expense
  • $501Salaries and employee benefits
  • $225Premises and equipment expense
  • $411Additional noninterest expense
  • $12Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $12Income before extraordinary items
  • $0Extraordinary gains - net
  • $12Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.90%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.63%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 5.67%Noninterest expense to earning assets
  • 0.05%Net operating income to assets
  • 0.05%Return on assets (ROA)
  • 0.05%Pretax return on assets
  • 0.37%Return on equity (ROE)
  • 0.37%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 70.59%Credit loss provision to net charge-offs
  • 1.06%Efficiency ratio
  • 96,931Assets per employee
  • 1.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 160.98%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 72.97%Net loans and leases to core deposits
  • 83.18%Equity capital to assets
  • 12.70%Core capital (leverage) ratio
  • 13.07%Tier 1 risk-based capital ratio
  • 18.77%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $24,386Average earning assets
  • $3,255Average equity
  • $20,047Average loans

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