Quantum National Bank in Suwanee, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Quantum National Bank in Suwanee, Georgia (GA)
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Quantum National Bank - Overview

  • General
  • FDIC Certificate #: 34110
    Status: Active
    Federal Reserve ID: 2354387
    Bank Holding Company (Regulatory Top Holder): Quantum Capital Corp. (RSSDID: 2354369, Location: Suwanee, GA)
    Date Established: December 27, 1995
    WWW: http://www.quantumbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15711
    FDIC's unique #: 56252
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 27, 1995
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 505 Peachtree Industrial Boulevard, Suwanee, GA 30024
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $342.0 mil
    Equity capital: $34.8 mil
    Deposits held in domestic offices: $292.3 mil
    Return on assets (ROA): 0.41% ($1.4 mil)
    Quarterly return on assets: 0.99% ($3.4 mil)
    Return on Equity (ROE): 4.16% ($1.5 mil)
    Quarterly return on equity: 9.72% ($3.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.59% ($2,017.9 mil)
    Quarterly Pretax return on assets: 1.53% ($5,233.0 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, 2011)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $342,025Total assets
  • $22,242Cash and due from depository institutions
  • $20,453Interest-bearing balances
  • $15,277Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $272,644Net loans & leases
  • $5,566Loan loss allowance
  • $0Trading account assets
  • $6,516Bank premises and fixed assets
  • $10,428Other real estate owned
  • $0Goodwill and other intangibles
  • $342,025Life insurance assets
  • $14,918All other assets
  • $307,247Total liabilities and capital
  • $292,342Total liabilities
  • $267,661Total deposits
  • $292,342Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 1193.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,500Trading liabilities
  • $0Other borrowed funds
  • $1,212Subordinated debt
  • $34,778All other liabilities
  • $34,778Total equity capital
  • $34,778Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $22,540Surplus
  • $9,738Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,701Income earned, not collected on loans
  • $51Earning assets
  • $926Long-term assets (5+ years)
  • $308,374Average Assets, year-to-date
  • $40,879Average Assets, quarterly
  • $342,631Volatile liabilities
  • $339,284Insider loans
  • $279,384FHLB advances
  • $332,746Loans and leases held for sale
  • $6,707Unused loan commitments
  • $5,110Tier 1 (core) risk-based capital
  • $34,537Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,597Total unused commitments
  • $7,693Restructured Loans and leases
  • $789Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,878Total interest income
  • $3,543Total interest expense
  • $13,335Net interest income
  • $2,841Provision for loan and lease losses
  • -$918Total noninterest income
  • $0Fiduciary activities
  • $77Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$995Additional noninterest income
  • $8,008Total noninterest expense
  • $4,293Salaries and employee benefits
  • $580Premises and equipment expense
  • $3,135Additional noninterest expense
  • $1,568Pre-tax net operating income
  • $460Securities gains (losses)
  • $621Applicable income taxes
  • $1,407Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,407Net income attributable to bank
  • $0Net charge-offs
  • $1,407Cash dividends
  • $3,276Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.36%Net interest margin
  • -0.30%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 4.16%Return on equity (ROE)
  • 4.16%Retained earnings to average equity (YTD only)
  • 1.18%Net charge-offs to loans
  • 86.72%Credit loss provision to net charge-offs
  • 1.35%Efficiency ratio
  • 64,492Assets per employee
  • 7.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 57.38%Noncurrent assets plus other real estate owned to assets
  • 5.89%Noncurrent loans to loans
  • 3.49%Net loans and leases to deposits
  • 93.26%Net loans and leases to core deposits
  • 119.37%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 10.38%Tier 1 risk-based capital ratio
  • 12.36%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $342,631Average earning assets
  • $33,854Average equity
  • $306,068Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056252Quantum National Bank505 Peachtree Industrial Boulevard, Suwanee, GA 30024December 27, 1995Full Service Brick and Mortar
    1447284Alpharetta Branch2875 Bethany Road, Alpharetta, GA 30004January 17, 2006Full Service Brick and Mortar

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