Premier National Bank of Dalton in Dalton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 2003

  • Premier National Bank of Dalton in Dalton, Georgia (GA)
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Premier National Bank of Dalton - Overview

  • General
  • FDIC Certificate #: 34329
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: FSGBank, National Association (#35264)
    Federal Reserve ID: 2514042
    Date Established: November 25, 1996
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 57088
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: November 25, 1996
    Last Structure Change Effective Date: March 31, 2003
    Last Structure Change Process Date: April 24, 2003
    Last Data Update: April 24, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 2918 East Walnut Avenue, Dalton, GA 30721
    County: Whitfield
    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): Dalton, GA (#19140)
    CBSA Metro Statistical Area: Dalton, GA (#19140)
  • Financial Summary
  • Total assets: $84.8 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, 2002)

  • Dollar figures in thousands
  • 35Total employees (full-time equivalent)
  • $84,755Total assets
  • $5,079Cash and due from depository institutions
  • $0Interest-bearing balances
  • $7,566Securities
  • $4,551Federal funds sold & reverse repurchase agreements
  • $62,326Net loans & leases
  • $814Loan loss allowance
  • $0Trading account assets
  • $4,113Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,120All other assets
  • $84,755Total liabilities and capital
  • $77,692Total liabilities
  • $73,487Total deposits
  • $62,089Interest-bearing deposits
  • $73,487Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,000Other borrowed funds
  • $0Subordinated debt
  • $1,205All other liabilities
  • $7,063Total equity capital
  • $7,063Total bank equity capital
  • $7,063Perpetual preferred stock
  • $0Common stock
  • $3,378Surplus
  • $3,350Undivided profits
  • Memoranda
  • $335Noncurrent loans and leases
  • $8,956Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $598Earning assets
  • $0Long-term assets (5+ years)
  • $330Average Assets, year-to-date
  • $74,443Average Assets, quarterly
  • $3,068Volatile liabilities
  • $83,769Insider loans
  • $84,847FHLB advances
  • $14,852Loans and leases held for sale
  • $5,049Unused loan commitments
  • $3,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,956Total unused commitments
  • $0Restructured Loans and leases
  • $814Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $5,502Total interest income
  • $2,299Total interest expense
  • $3,203Net interest income
  • $273Provision for loan and lease losses
  • $498Total noninterest income
  • $0Fiduciary activities
  • $330Service charges on deposit accounts
  • $0Trading account gains & fees
  • $168Additional noninterest income
  • $2,854Total noninterest expense
  • $1,410Salaries and employee benefits
  • $445Premises and equipment expense
  • $999Additional noninterest expense
  • $574Pre-tax net operating income
  • $3Securities gains (losses)
  • $196Applicable income taxes
  • $381Income before extraordinary items
  • $0Extraordinary gains - net
  • $381Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $298Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.40%Yield on earning assets
  • 3.09%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.84%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 5.59%Return on equity (ROE)
  • 5.59%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 91.61%Credit loss provision to net charge-offs
  • 2.84%Efficiency ratio
  • 77,114Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 136.12%Noncurrent assets plus other real estate owned to assets
  • 0.71%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 84.81%Net loans and leases to core deposits
  • 101.12%Equity capital to assets
  • 8.33%Core capital (leverage) ratio
  • 8.19%Tier 1 risk-based capital ratio
  • 10.49%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $83,769Average earning assets
  • $6,820Average equity
  • $74,367Average loans

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