Regions Bank, FSB in Griffin, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 13, 1998

  • Regions Bank, FSB in Griffin, Georgia (GA)
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Regions Bank, FSB - Overview

  • General
  • FDIC Certificate #: 31219
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 776471
    Date Established: November 25, 1960
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6557
    FDIC's unique #: 44053
    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: November 25, 1960
    Last Structure Change Effective Date: April 13, 1998
    Last Structure Change Process Date: April 27, 1998
    Last Data Update: April 27, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 327 West Taylor, Griffin, GA 30223
    County: Spalding
    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: $96.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 37Total employees (full-time equivalent)
  • $98,396Total assets
  • $8,571Cash and due from depository institutions
  • $8,050Interest-bearing balances
  • $2,924Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,431Net loans & leases
  • $572Loan loss allowance
  • $0Trading account assets
  • $841Bank premises and fixed assets
  • $563Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,066All other assets
  • $98,396Total liabilities and capital
  • $87,237Total liabilities
  • $84,091Total deposits
  • $84,091Interest-bearing deposits
  • $84,091Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,548Other borrowed funds
  • $0Subordinated debt
  • $598All other liabilities
  • $11,159Total equity capital
  • $11,159Total bank equity capital
  • $11,159Perpetual preferred stock
  • $0Common stock
  • $726Surplus
  • $4,284Undivided profits
  • Memoranda
  • $6,149Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,845Earning assets
  • $0Long-term assets (5+ years)
  • $756Average Assets, year-to-date
  • $94,405Average Assets, quarterly
  • $0Volatile liabilities
  • $98,040Insider loans
  • $98,560FHLB advances
  • $18,024Loans and leases held for sale
  • $571Unused loan commitments
  • $2,548Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,978Total unused commitments
  • $0Restructured Loans and leases
  • $70,531Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $8,459Total interest income
  • $4,208Total interest expense
  • $4,251Net interest income
  • $175Provision for loan and lease losses
  • $1,230Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,230Additional noninterest income
  • $5,526Total noninterest expense
  • $3,438Salaries and employee benefits
  • $622Premises and equipment expense
  • $1,466Additional noninterest expense
  • -$220Pre-tax net operating income
  • $2,511Securities gains (losses)
  • $817Applicable income taxes
  • $1,474Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,474Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $126Sale, conversion, retirement of capital stock, net
  • $950Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.06%Yield on earning assets
  • 4.51%Cost of funding earning assets
  • 4.55%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 5.92%Noninterest expense to earning assets
  • -0.14%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 2.34%Pretax return on assets
  • 13.50%Return on equity (ROE)
  • 4.80%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 138.89%Credit loss provision to net charge-offs
  • -0.36%Efficiency ratio
  • 100,821Assets per employee
  • 2.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.45%Loss allowance to loans
  • 0.68%Loss allowance to noncurrent loans
  • 31.00%Noncurrent assets plus other real estate owned to assets
  • 2.45%Noncurrent loans to loans
  • 2.20%Net loans and leases to deposits
  • 99.22%Net loans and leases to core deposits
  • 121.59%Equity capital to assets
  • 11.34%Core capital (leverage) ratio
  • 11.33%Tier 1 risk-based capital ratio
  • 15.80%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $98,040Average earning assets
  • $10,915Average equity
  • $93,349Average loans

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