Main Street Bank in Winder, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 11, 1996

  • Main Street Bank in Winder, Georgia (GA)
  • Show street view No street view available for this location

Main Street Bank - Overview

  • General
  • FDIC Certificate #: 33236
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Main Street Bank (#9243)
    Federal Reserve ID: 1831863
    Date Established: December 21, 1990
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8967
    FDIC's unique #: 46675
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: December 21, 1990
    Last Structure Change Effective Date: December 11, 1996
    Last Structure Change Process Date: January 10, 1997
    Last Data Update: January 10, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 45 East Athens Street, Winder, GA 30680
    County: Barrow
    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: $166.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $65Total assets
  • $119,175Cash and due from depository institutions
  • $3,645Interest-bearing balances
  • $59Securities
  • $18,452Federal funds sold & reverse repurchase agreements
  • $700Net loans & leases
  • $87,950Loan loss allowance
  • $1,290Trading account assets
  • $0Bank premises and fixed assets
  • $3,696Other real estate owned
  • $0Goodwill and other intangibles
  • $2,089Life insurance assets
  • $2,643All other assets
  • $0Total liabilities and capital
  • $119,175Total liabilities
  • $109,218Total deposits
  • $108,181Interest-bearing deposits
  • $97,934Deposits held in domestic offices
  • 108181.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,037Total equity capital
  • $1,037Total bank equity capital
  • $9,957Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $8,419Undivided profits
  • Memoranda
  • $1,537Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $867Income earned, not collected on loans
  • $638Earning assets
  • $107,161Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $114,848Average Assets, quarterly
  • $118,522Volatile liabilities
  • $11,511Insider loans
  • $274FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $9,630Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,150Total risk weighted assets
  • $80,076Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,555Total interest expense
  • $4,808Net interest income
  • $4,747Provision for loan and lease losses
  • $625Total noninterest income
  • $1,059Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,059Total noninterest expense
  • $4,012Salaries and employee benefits
  • $1,945Premises and equipment expense
  • $528Additional noninterest expense
  • $1,539Pre-tax net operating income
  • $1,169Securities gains (losses)
  • -$3Applicable income taxes
  • $404Income before extraordinary items
  • $762Extraordinary gains - net
  • $0Net income attributable to bank
  • $762Net charge-offs
  • $26Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.29%Cost of funding earning assets
  • 4.68%Net interest margin
  • 4.62%Noninterest income to earning assets
  • 1.03%Noninterest expense to earning assets
  • 3.90%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 1.02%Return on equity (ROE)
  • 8.03%Retained earnings to average equity (YTD only)
  • 8.03%Net charge-offs to loans
  • 0.03%Credit loss provision to net charge-offs
  • 2403.85%Efficiency ratio
  • 62,349Assets per employee
  • 1.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 148.79%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 81.30%Net loans and leases to core deposits
  • 90.98%Equity capital to assets
  • 8.35%Core capital (leverage) ratio
  • 7.73%Tier 1 risk-based capital ratio
  • 11.43%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $114,848Average earning assets
  • $9,495Average equity
  • $102,804Average loans

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