SunTrust Bank, Northwest Georgia, National Association in Rome, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2000

  • SunTrust Bank, Northwest Georgia, National Association in Rome, Georgia (GA)
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SunTrust Bank, Northwest Georgia, National Association - Overview

  • General
  • FDIC Certificate #: 2152
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SunTrust Bank (#867)
    Federal Reserve ID: 717830
    Date Established: September 11, 1877
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Interstate: No)
    OTS Docket #: 14776
    FDIC's unique #: 1421
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2000
    Last Structure Change Process Date: March 29, 2000
    Last Data Update: March 29, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 East Second Avenue, Rome, GA 30162
    County: Floyd
    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): Rome, GA (#40660)
    CBSA Metro Statistical Area: Rome, GA (#40660)
  • Financial Summary
  • Total assets: $395.9 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 186Total employees (full-time equivalent)
  • $395,865Total assets
  • $28,485Cash and due from depository institutions
  • $332Interest-bearing balances
  • $75,489Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $279,575Net loans & leases
  • $6,856Loan loss allowance
  • $0Trading account assets
  • $5,657Bank premises and fixed assets
  • $58Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,601All other assets
  • $395,865Total liabilities and capital
  • $366,537Total liabilities
  • $293,614Total deposits
  • $234,172Interest-bearing deposits
  • $293,614Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $70,284Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,639All other liabilities
  • $29,328Total equity capital
  • $29,328Total bank equity capital
  • $29,328Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $11,000Undivided profits
  • Memoranda
  • $15,828Noncurrent loans and leases
  • $132,473Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,005Earning assets
  • $0Long-term assets (5+ years)
  • $1,508Average Assets, year-to-date
  • $355,396Average Assets, quarterly
  • $78,343Volatile liabilities
  • $371,149Insider loans
  • $380,569FHLB advances
  • $82,687Loans and leases held for sale
  • $11,044Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,481Total risk weighted assets
  • $132,473Total unused commitments
  • $0Restructured Loans and leases
  • $4,166Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $26,915Total interest income
  • $9,884Total interest expense
  • $17,031Net interest income
  • $1,940Provision for loan and lease losses
  • $8,056Total noninterest income
  • $1,855Fiduciary activities
  • $2,804Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,397Additional noninterest income
  • $16,360Total noninterest expense
  • $6,970Salaries and employee benefits
  • $1,969Premises and equipment expense
  • $7,421Additional noninterest expense
  • $6,787Pre-tax net operating income
  • -$551Securities gains (losses)
  • $2,229Applicable income taxes
  • $4,007Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,007Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $252Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.84%Yield on earning assets
  • 2.88%Cost of funding earning assets
  • 4.96%Net interest margin
  • 2.35%Noninterest income to earning assets
  • 4.77%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 12.97%Return on equity (ROE)
  • -6.45%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 769.84%Credit loss provision to net charge-offs
  • 34.63%Efficiency ratio
  • 65,213Assets per employee
  • 2.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 149.74%Loss allowance to loans
  • 2.39%Loss allowance to noncurrent loans
  • 341.95%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 95.22%Net loans and leases to core deposits
  • 99.42%Equity capital to assets
  • 7.41%Core capital (leverage) ratio
  • 7.79%Tier 1 risk-based capital ratio
  • 9.12%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $371,149Average earning assets
  • $30,903Average equity
  • $343,326Average loans

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