State Bank of Georgia in Fayetteville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • State Bank of Georgia in Fayetteville, Georgia (GA)
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State Bank of Georgia - Overview

  • General
  • FDIC Certificate #: 58599
    Status: Active
    Federal Reserve ID: 3650442
    Date Established: November 05, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 457849
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 05, 2007
    Last Structure Change Effective Date: January 06, 2011
    Last Structure Change Process Date: January 19, 2011
    Last Data Update: January 19, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 131 Gingercake Road, Fayetteville, GA 30214
    County: Fayette
    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: $94.3 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $77.6 mil
    Return on assets (ROA): -1.15% (-$1.1 mil)
    Quarterly return on assets: -2.40% (-$2.3 mil)
    Return on Equity (ROE): -12.58% (-$1.1 mil)
    Quarterly return on equity: -25.72% (-$2.3 mil)
    Net income: -$1.2 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -1.15% (-$1,083.9 mil)
    Quarterly Pretax return on assets: -2.51% (-$2,365.8 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
  • 18Total employees (full-time equivalent)
  • $94,255Total assets
  • $9,663Cash and due from depository institutions
  • $8,984Interest-bearing balances
  • $13,857Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,569Net loans & leases
  • $2,086Loan loss allowance
  • $0Trading account assets
  • $1,462Bank premises and fixed assets
  • $2,548Other real estate owned
  • $0Goodwill and other intangibles
  • $94,255Life insurance assets
  • $1,156All other assets
  • $85,467Total liabilities and capital
  • $77,642Total liabilities
  • $74,498Total deposits
  • $77,642Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,523Trading liabilities
  • $0Other borrowed funds
  • $302Subordinated debt
  • $8,788All other liabilities
  • $8,788Total equity capital
  • $8,788Total bank equity capital
  • $1,053Perpetual preferred stock
  • $6,163Common stock
  • $7,737Surplus
  • $-6,165Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,340Income earned, not collected on loans
  • $0Earning assets
  • $347Long-term assets (5+ years)
  • $88,410Average Assets, year-to-date
  • $10,151Average Assets, quarterly
  • $101,598Volatile liabilities
  • $96,753Insider loans
  • $70,617FHLB advances
  • $97,388Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,494Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,006Restructured Loans and leases
  • $3,180Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,975Total interest income
  • $1,318Total interest expense
  • $3,657Net interest income
  • $784Provision for loan and lease losses
  • -$408Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$481Additional noninterest income
  • $3,667Total noninterest expense
  • $1,655Salaries and employee benefits
  • $199Premises and equipment expense
  • $1,813Additional noninterest expense
  • -$1,202Pre-tax net operating income
  • $34Securities gains (losses)
  • $0Applicable income taxes
  • -$1,168Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,168Net income attributable to bank
  • $0Net charge-offs
  • -$1,168Cash dividends
  • $2,034Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.86%Net interest margin
  • -0.43%Noninterest income to earning assets
  • 3.87%Noninterest expense to earning assets
  • -1.18%Net operating income to assets
  • -1.15%Return on assets (ROA)
  • -1.15%Pretax return on assets
  • -12.58%Return on equity (ROE)
  • -12.58%Retained earnings to average equity (YTD only)
  • 2.76%Net charge-offs to loans
  • 38.54%Credit loss provision to net charge-offs
  • -0.21%Efficiency ratio
  • 112,865Assets per employee
  • 5.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.08%Loss allowance to noncurrent loans
  • 32.90%Noncurrent assets plus other real estate owned to assets
  • 9.43%Noncurrent loans to loans
  • 9.37%Net loans and leases to deposits
  • 84.45%Net loans and leases to core deposits
  • 90.84%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 12.03%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $101,598Average earning assets
  • $9,288Average equity
  • $94,712Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0457849State Bank Of Georgia131 Gingercake Road, Fayetteville, GA 30214November 05, 2007Full Service Brick and Mortar

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