Rockdale Community Bank in Conyers, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 15, 1996

  • Rockdale Community Bank in Conyers, Georgia (GA)
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Rockdale Community Bank - Overview

  • General
  • FDIC Certificate #: 27422
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 1356795
    Date Established: January 06, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 39893
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 06, 1989
    Last Structure Change Effective Date: August 15, 1996
    Last Structure Change Process Date: September 25, 1996
    Last Data Update: September 25, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1172 Old Salem Road, Conyers, GA 30207
    County: Rockdale
    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: $47.9 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)
  • $16Total assets
  • $46,223Cash and due from depository institutions
  • $3,316Interest-bearing balances
  • $0Securities
  • $14,692Federal funds sold & reverse repurchase agreements
  • $2,870Net loans & leases
  • $23,485Loan loss allowance
  • $427Trading account assets
  • $0Bank premises and fixed assets
  • $1,512Other real estate owned
  • $0Goodwill and other intangibles
  • $348Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $46,223Total liabilities
  • $39,302Total deposits
  • $38,957Interest-bearing deposits
  • $30,998Deposits held in domestic offices
  • 38957.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $345Total equity capital
  • $345Total bank equity capital
  • $6,921Perpetual preferred stock
  • $0Common stock
  • $2,618Surplus
  • $2,618Undivided profits
  • Memoranda
  • $1,685Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $211Income earned, not collected on loans
  • $146Earning assets
  • $41,047Long-term assets (5+ years)
  • $5,204Average Assets, year-to-date
  • $42,513Average Assets, quarterly
  • $45,171Volatile liabilities
  • $3,468Insider loans
  • $1,489FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,938Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,016Total risk weighted assets
  • $29,194Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,606Total interest expense
  • $1,306Net interest income
  • $2,300Provision for loan and lease losses
  • $20Total noninterest income
  • $198Fiduciary activities
  • $0Service charges on deposit accounts
  • $170Trading account gains & fees
  • $0Additional noninterest income
  • $28Total noninterest expense
  • $1,100Salaries and employee benefits
  • $610Premises and equipment expense
  • $154Additional noninterest expense
  • $336Pre-tax net operating income
  • $1,378Securities gains (losses)
  • -$3Applicable income taxes
  • $511Income before extraordinary items
  • $864Extraordinary gains - net
  • $0Net income attributable to bank
  • $864Net charge-offs
  • -$1Cash dividends
  • $313Sale, conversion, retirement of capital stock, net
  • $65Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.35%Cost of funding earning assets
  • 3.39%Net interest margin
  • 5.97%Noninterest income to earning assets
  • 0.51%Noninterest expense to earning assets
  • 2.85%Net operating income to assets
  • 2.04%Return on assets (ROA)
  • 2.03%Pretax return on assets
  • 3.23%Return on equity (ROE)
  • 13.39%Retained earnings to average equity (YTD only)
  • 8.54%Net charge-offs to loans
  • -0.00%Credit loss provision to net charge-offs
  • -2000.00%Efficiency ratio
  • 44,035Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.23%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 202.37%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 60.28%Net loans and leases to core deposits
  • 66.18%Equity capital to assets
  • 14.97%Core capital (leverage) ratio
  • 15.75%Tier 1 risk-based capital ratio
  • 24.03%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $42,513Average earning assets
  • $6,451Average equity
  • $38,555Average loans

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