Regions Bank, F.S.B. in Dalton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 09, 1996

  • Regions Bank, F.S.B. in Dalton, Georgia (GA)
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Regions Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 31521
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 426075
    Date Established: May 02, 1966
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7112
    FDIC's unique #: 44355
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: May 02, 1966
    Last Structure Change Effective Date: December 09, 1996
    Last Structure Change Process Date: January 16, 1997
    Last Data Update: January 16, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 Walnut Avenue, Dalton, GA 30720
    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: $378.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $157Total assets
  • $389,583Cash and due from depository institutions
  • $45,574Interest-bearing balances
  • $42,618Securities
  • $5,005Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $320,305Loan loss allowance
  • $3,509Trading account assets
  • $0Bank premises and fixed assets
  • $8,641Other real estate owned
  • $125Goodwill and other intangibles
  • $5,167Life insurance assets
  • $4,766All other assets
  • $0Total liabilities and capital
  • $389,583Total liabilities
  • $363,844Total deposits
  • $351,672Interest-bearing deposits
  • $351,672Deposits held in domestic offices
  • 351672.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,583Subordinated debt
  • $0All other liabilities
  • $8,589Total equity capital
  • $8,589Total bank equity capital
  • $25,739Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $8,040Undivided profits
  • Memoranda
  • $17,698Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,005Income earned, not collected on loans
  • $2,959Earning assets
  • $367,928Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $344,936Average Assets, quarterly
  • $366,034Volatile liabilities
  • $60,016Insider loans
  • $1,777FHLB advances
  • $3,400Loans and leases held for sale
  • $0Unused loan commitments
  • $24,308Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,296Total risk weighted assets
  • $236,056Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $27,360Total interest expense
  • $16,097Net interest income
  • $11,263Provision for loan and lease losses
  • -$100Total noninterest income
  • $2,824Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2,824Total noninterest expense
  • $9,600Salaries and employee benefits
  • $4,883Premises and equipment expense
  • $1,487Additional noninterest expense
  • $3,230Pre-tax net operating income
  • $4,587Securities gains (losses)
  • $317Applicable income taxes
  • $1,848Income before extraordinary items
  • $3,056Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,056Net charge-offs
  • $160Cash dividends
  • $189Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.53%Cost of funding earning assets
  • 5.02%Net interest margin
  • 3.51%Noninterest income to earning assets
  • 0.88%Noninterest expense to earning assets
  • 2.99%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 1.42%Return on equity (ROE)
  • 13.41%Retained earnings to average equity (YTD only)
  • 12.58%Net charge-offs to loans
  • 0.05%Credit loss provision to net charge-offs
  • -62.50%Efficiency ratio
  • 67,793Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 6.18%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 116.77%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 0.93%Net loans and leases to deposits
  • 91.08%Net loans and leases to core deposits
  • 108.49%Equity capital to assets
  • 6.61%Core capital (leverage) ratio
  • 5.53%Tier 1 risk-based capital ratio
  • 9.02%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $344,936Average earning assets
  • $22,791Average equity
  • $320,638Average loans

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