Regions Bank of Georgia in Columbus, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 09, 1997

  • Regions Bank of Georgia in Columbus, Georgia (GA)
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Regions Bank of Georgia - Overview

  • General
  • FDIC Certificate #: 33473
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 1875250
    Date Established: July 26, 1991
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 47179
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 26, 1991
    Last Structure Change Effective Date: August 09, 1997
    Last Structure Change Process Date: September 30, 1997
    Last Data Update: September 30, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 13th Street, Columbus, GA 31901
    County: Muscogee
    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): Columbus, GA-AL (#1800)
    Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194)
    Core Based Statistical Area (CBSA): Columbus, GA-AL (#17980)
    CBSA Metro Statistical Area: Columbus, GA-AL (#17980)
  • Financial Summary
  • Total assets: $116.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $36Total assets
  • $113,705Cash and due from depository institutions
  • $3,446Interest-bearing balances
  • $0Securities
  • $63,875Federal funds sold & reverse repurchase agreements
  • $8,800Net loans & leases
  • $33,168Loan loss allowance
  • $767Trading account assets
  • $0Bank premises and fixed assets
  • $1,964Other real estate owned
  • $0Goodwill and other intangibles
  • $2,452Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $113,705Total liabilities
  • $100,261Total deposits
  • $99,212Interest-bearing deposits
  • $80,479Deposits held in domestic offices
  • 99212.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,049Total equity capital
  • $1,049Total bank equity capital
  • $13,444Perpetual preferred stock
  • $0Common stock
  • $3,000Surplus
  • $3,340Undivided profits
  • Memoranda
  • $7,104Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45Income earned, not collected on loans
  • $313Earning assets
  • $105,843Long-term assets (5+ years)
  • $1,840Average Assets, year-to-date
  • $112,271Average Assets, quarterly
  • $113,932Volatile liabilities
  • $5,598Insider loans
  • $548FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $8,899Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,444Total risk weighted assets
  • $48,259Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,897Total interest expense
  • $3,931Net interest income
  • $4,966Provision for loan and lease losses
  • $27Total noninterest income
  • $431Fiduciary activities
  • $0Service charges on deposit accounts
  • $325Trading account gains & fees
  • $0Additional noninterest income
  • $106Total noninterest expense
  • $3,576Salaries and employee benefits
  • $1,194Premises and equipment expense
  • $466Additional noninterest expense
  • $1,916Pre-tax net operating income
  • $1,794Securities gains (losses)
  • $0Applicable income taxes
  • $540Income before extraordinary items
  • $1,254Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,254Net charge-offs
  • $40Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.51%Cost of funding earning assets
  • 3.76%Net interest margin
  • 4.75%Noninterest income to earning assets
  • 0.41%Noninterest expense to earning assets
  • 3.42%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 1.60%Return on equity (ROE)
  • 9.78%Retained earnings to average equity (YTD only)
  • 9.78%Net charge-offs to loans
  • 0.13%Credit loss provision to net charge-offs
  • 67.50%Efficiency ratio
  • 66,259Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 1704.44%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 33.43%Net loans and leases to core deposits
  • 35.43%Equity capital to assets
  • 11.82%Core capital (leverage) ratio
  • 12.06%Tier 1 risk-based capital ratio
  • 27.86%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $112,271Average earning assets
  • $12,819Average equity
  • $104,523Average loans

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