NOA Bank in Duluth, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • NOA Bank in Duluth, Georgia (GA)
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NOA Bank routing number info

NOA Bank - Overview

  • General
  • FDIC Certificate #: 58657
    Status: Active
    Federal Reserve ID: 3832127
    Date Established: November 06, 2008
    WWW: http://www.noabank.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 #: 461767
    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: November 06, 2008
    Last Structure Change Effective Date: November 06, 2008
    Last Structure Change Process Date: November 07, 2008
    Last Data Update: November 07, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2476 Pleasant Hill Road, Duluth, GA 30096
    County: Gwinnett
    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 Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $111.9 mil
    Equity capital: $16.4 mil
    Deposits held in domestic offices: $94.4 mil
    Return on assets (ROA): 1.90% ($2.1 mil)
    Quarterly return on assets: 0.98% ($1.1 mil)
    Return on Equity (ROE): 12.50% ($2.0 mil)
    Quarterly return on equity: 6.71% ($1.1 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 3.03% ($3,391.8 mil)
    Quarterly Pretax return on assets: 4.11% ($4,600.7 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
  • 21Total employees (full-time equivalent)
  • $111,940Total assets
  • $5,908Cash and due from depository institutions
  • $5,568Interest-bearing balances
  • $12,191Securities
  • $10,225Federal funds sold & reverse repurchase agreements
  • $79,752Net loans & leases
  • $999Loan loss allowance
  • $0Trading account assets
  • $2,041Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $111,940Life insurance assets
  • $1,823All other assets
  • $95,536Total liabilities and capital
  • $94,406Total liabilities
  • $89,701Total deposits
  • $94,406Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,130Subordinated debt
  • $16,404All other liabilities
  • $16,404Total equity capital
  • $16,404Total bank equity capital
  • $0Perpetual preferred stock
  • $7,749Common stock
  • $8,351Surplus
  • $304Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $317Long-term assets (5+ years)
  • $107,736Average Assets, year-to-date
  • $29,147Average Assets, quarterly
  • $100,457Volatile liabilities
  • $110,921Insider loans
  • $88,824FHLB advances
  • $109,151Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,899Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,371Restructured Loans and leases
  • $1,446Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,208Total interest income
  • $1,259Total interest expense
  • $3,949Net interest income
  • $285Provision for loan and lease losses
  • $2,936Total noninterest income
  • $0Fiduciary activities
  • $96Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,840Additional noninterest income
  • $3,553Total noninterest expense
  • $1,760Salaries and employee benefits
  • $518Premises and equipment expense
  • $1,275Additional noninterest expense
  • $3,047Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,137Applicable income taxes
  • $1,910Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,910Net income attributable to bank
  • $0Net charge-offs
  • $1,910Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 4.14%Net interest margin
  • 3.07%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 1.90%Net operating income to assets
  • 1.90%Return on assets (ROA)
  • 3.03%Pretax return on assets
  • 12.50%Return on equity (ROE)
  • 12.50%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 7125.00%Credit loss provision to net charge-offs
  • 833.00%Efficiency ratio
  • 51,605Assets per employee
  • 5.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 84.48%Net loans and leases to core deposits
  • 113.24%Equity capital to assets
  • 14.65%Core capital (leverage) ratio
  • 13.65%Tier 1 risk-based capital ratio
  • 16.77%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $100,457Average earning assets
  • $15,280Average equity
  • $95,493Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0461767Noa Bank2476 Pleasant Hill Road, Duluth, GA 30096November 06, 2008Full Service Brick and Mortar
    1510138Doraville Branch5938 Buford Highway, Doraville, GA 30340June 17, 2010Full Service Brick and Mortar

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