Peachtree National Bank in Peachtree City, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 08, 2007

  • Peachtree National Bank in Peachtree City, Georgia (GA)
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Peachtree National Bank - Overview

  • General
  • FDIC Certificate #: 26805
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of North Georgia (#31203)
    Federal Reserve ID: 821531
    Date Established: September 11, 1986
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    FDIC's unique #: 35980
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: September 11, 1986
    Last Structure Change Effective Date: September 08, 2007
    Last Structure Change Process Date: September 28, 2007
    Last Data Update: September 28, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2603 Highway 54 West, Peachtree City, GA 30269
    County: Fayette
    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: $241.6 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, 2006)

  • Dollar figures in thousands
  • 77Total employees (full-time equivalent)
  • $254,530Total assets
  • $7,035Cash and due from depository institutions
  • $106Interest-bearing balances
  • $34,522Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $200,747Net loans & leases
  • $3,794Loan loss allowance
  • $0Trading account assets
  • $5,204Bank premises and fixed assets
  • $394Other real estate owned
  • $657Goodwill and other intangibles
  • $0Life insurance assets
  • $5,971All other assets
  • $254,530Total liabilities and capital
  • $229,480Total liabilities
  • $205,047Total deposits
  • $166,761Interest-bearing deposits
  • $205,047Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $13,383Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,426Other borrowed funds
  • $0Subordinated debt
  • $3,624All other liabilities
  • $25,050Total equity capital
  • $25,050Total bank equity capital
  • $25,050Perpetual preferred stock
  • $0Common stock
  • $1,937Surplus
  • $18,471Undivided profits
  • Memoranda
  • $4,642Noncurrent loans and leases
  • $58,870Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,580Earning assets
  • $0Long-term assets (5+ years)
  • $1,471Average Assets, year-to-date
  • $235,375Average Assets, quarterly
  • $15,596Volatile liabilities
  • $249,167Insider loans
  • $255,133FHLB advances
  • $75,664Loans and leases held for sale
  • $3,916Unused loan commitments
  • $7,426Tier 1 (core) risk-based capital
  • $1,038Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $58,870Total unused commitments
  • $0Restructured Loans and leases
  • $2,908Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $18,258Total interest income
  • $5,460Total interest expense
  • $12,798Net interest income
  • -$1,760Provision for loan and lease losses
  • $1,940Total noninterest income
  • $0Fiduciary activities
  • $1,290Service charges on deposit accounts
  • $0Trading account gains & fees
  • $650Additional noninterest income
  • $8,351Total noninterest expense
  • $4,760Salaries and employee benefits
  • $890Premises and equipment expense
  • $2,701Additional noninterest expense
  • $8,147Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,066Applicable income taxes
  • $5,081Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,081Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,440Sale, conversion, retirement of capital stock, net
  • $6,991Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.92%Yield on earning assets
  • 2.37%Cost of funding earning assets
  • 5.55%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 2.04%Net operating income to assets
  • 2.04%Return on assets (ROA)
  • 3.27%Pretax return on assets
  • 19.17%Return on equity (ROE)
  • -7.21%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • -122.22%Credit loss provision to net charge-offs
  • 4.44%Efficiency ratio
  • 56,663Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 137.59%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 105.98%Noncurrent assets plus other real estate owned to assets
  • 1.56%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 97.90%Net loans and leases to core deposits
  • 135.85%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 9.70%Tier 1 risk-based capital ratio
  • 10.61%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $249,167Average earning assets
  • $26,505Average equity
  • $230,392Average loans

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