Peach State Bank in Riverdale, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 31, 1995

  • Peach State Bank in Riverdale, Georgia (GA)
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Peach State Bank - Overview

  • General
  • FDIC Certificate #: 27600
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Peachtree National Bank (#26805)
    Federal Reserve ID: 1402647
    Date Established: October 04, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 40433
    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: October 04, 1989
    Last Structure Change Effective Date: January 31, 1995
    Last Structure Change Process Date: Febuary 22, 1995
    Last Data Update: Febuary 22, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 7384 Highway 85, Riverdale, GA 30274
    County: Clayton
    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: $42.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $21Total assets
  • $42,683Cash and due from depository institutions
  • $3,478Interest-bearing balances
  • $1,886Securities
  • $5,584Federal funds sold & reverse repurchase agreements
  • $8,960Net loans & leases
  • $22,840Loan loss allowance
  • $264Trading account assets
  • $0Bank premises and fixed assets
  • $951Other real estate owned
  • $489Goodwill and other intangibles
  • $381Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $42,683Total liabilities
  • $34,497Total deposits
  • $34,166Interest-bearing deposits
  • $26,944Deposits held in domestic offices
  • 34166.00%% insured (estimated)
  • $74Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $331Total equity capital
  • $331Total bank equity capital
  • $8,186Perpetual preferred stock
  • $0Common stock
  • $1,526Surplus
  • $6,106Undivided profits
  • Memoranda
  • $554Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $216Earning assets
  • $39,270Long-term assets (5+ years)
  • $1,068Average Assets, year-to-date
  • $40,676Average Assets, quarterly
  • $41,328Volatile liabilities
  • $8,090Insider loans
  • $1,821FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,496Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,199Total risk weighted assets
  • $27,202Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,884Total interest expense
  • $1,002Net interest income
  • $1,882Provision for loan and lease losses
  • $0Total noninterest income
  • $276Fiduciary activities
  • $0Service charges on deposit accounts
  • $237Trading account gains & fees
  • $0Additional noninterest income
  • $39Total noninterest expense
  • $1,514Salaries and employee benefits
  • $784Premises and equipment expense
  • $232Additional noninterest expense
  • $498Pre-tax net operating income
  • $644Securities gains (losses)
  • -$114Applicable income taxes
  • $189Income before extraordinary items
  • $341Extraordinary gains - net
  • $0Net income attributable to bank
  • $341Net charge-offs
  • -$32Cash dividends
  • $76Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.74%Cost of funding earning assets
  • 2.69%Net interest margin
  • 5.05%Noninterest income to earning assets
  • 0.74%Noninterest expense to earning assets
  • 4.07%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 1.30%Return on equity (ROE)
  • 4.24%Retained earnings to average equity (YTD only)
  • 3.30%Net charge-offs to loans
  • -0.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,833Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.29%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 66.85%Net loans and leases to core deposits
  • 87.59%Equity capital to assets
  • 19.18%Core capital (leverage) ratio
  • 19.19%Tier 1 risk-based capital ratio
  • 30.14%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $40,676Average earning assets
  • $8,034Average equity
  • $37,243Average loans

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