The Bank of Georgia in Peachtree City, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Bank of Georgia in Peachtree City, Georgia (GA)
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The Bank of Georgia - Overview

  • General
  • FDIC Certificate #: 35259
    Status: Active
    Federal Reserve ID: 2885171
    Bank Holding Company (Regulatory Top Holder): Georgia Bancshares, Inc. (RSSDID: 3019339, Location: Peachtree City, GA)
    Date Established: Febuary 18, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 77223
    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: Febuary 18, 2000
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 West Park Drive, Peachtree City, GA 30269
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $360.9 mil
    Equity capital: $20.4 mil
    Deposits held in domestic offices: $332.2 mil
    Return on assets (ROA): -0.63% (-$2.3 mil)
    Quarterly return on assets: -1.61% (-$5.8 mil)
    Return on Equity (ROE): -10.69% (-$2.1 mil)
    Quarterly return on equity: -28.68% (-$5.7 mil)
    Net income: -$2.3 mil
    Quarterly Net income: -$1.5 mil
    Pretax return on assets: -1.01% (-$3,645.2 mil)
    Quarterly Pretax return on assets: -2.53% (-$9,131.1 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
  • 74Total employees (full-time equivalent)
  • $360,914Total assets
  • $23,291Cash and due from depository institutions
  • $19,649Interest-bearing balances
  • $56,982Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $227,201Net loans & leases
  • $4,999Loan loss allowance
  • $0Trading account assets
  • $9,814Bank premises and fixed assets
  • $26,647Other real estate owned
  • $0Goodwill and other intangibles
  • $360,914Life insurance assets
  • $16,979All other assets
  • $340,547Total liabilities and capital
  • $332,218Total liabilities
  • $296,590Total deposits
  • $332,218Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 628.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $200Other borrowed funds
  • $2,501Subordinated debt
  • $20,367All other liabilities
  • $20,367Total equity capital
  • $20,367Total bank equity capital
  • $0Perpetual preferred stock
  • $5,325Common stock
  • $18,071Surplus
  • $-3,029Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $768Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,597Income earned, not collected on loans
  • $0Earning assets
  • $2,452Long-term assets (5+ years)
  • $303,832Average Assets, year-to-date
  • $60,675Average Assets, quarterly
  • $369,534Volatile liabilities
  • $377,690Insider loans
  • $271,274FHLB advances
  • $370,865Loans and leases held for sale
  • $6,125Unused loan commitments
  • $6,125Tier 1 (core) risk-based capital
  • $14,303Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,621Restructured Loans and leases
  • $3,061Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,620Total interest income
  • $4,899Total interest expense
  • $9,721Net interest income
  • $3,387Provision for loan and lease losses
  • $1,003Total noninterest income
  • $0Fiduciary activities
  • $674Service charges on deposit accounts
  • $0Trading account gains & fees
  • $329Additional noninterest income
  • $11,122Total noninterest expense
  • $5,294Salaries and employee benefits
  • $1,230Premises and equipment expense
  • $4,598Additional noninterest expense
  • -$3,785Pre-tax net operating income
  • $67Securities gains (losses)
  • -$1,403Applicable income taxes
  • -$2,315Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,315Net income attributable to bank
  • $0Net charge-offs
  • -$2,315Cash dividends
  • $5,259Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 1.54%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • -0.64%Net operating income to assets
  • -0.63%Return on assets (ROA)
  • -1.01%Pretax return on assets
  • -10.69%Return on equity (ROE)
  • -10.69%Retained earnings to average equity (YTD only)
  • 2.13%Net charge-offs to loans
  • 64.40%Credit loss provision to net charge-offs
  • -0.08%Efficiency ratio
  • 103,711Assets per employee
  • 4.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 75.78%Noncurrent assets plus other real estate owned to assets
  • 9.21%Noncurrent loans to loans
  • 2.84%Net loans and leases to deposits
  • 68.39%Net loans and leases to core deposits
  • 75.63%Equity capital to assets
  • 5.64%Core capital (leverage) ratio
  • 3.86%Tier 1 risk-based capital ratio
  • 5.27%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $369,534Average earning assets
  • $21,650Average equity
  • $318,753Average loans

List of branches

  • 8 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    077223The Bank Of Georgia100 West Park Drive, Peachtree City, GA 30269Febuary 18, 2000Full Service Brick and Mortar
    2418486Avery Park Branch471 Highway 29 North, Newnan, GA 30263November 18, 2002Full Service Brick and Mortar
    3422578Kroger Glynn Street Branch805 South Glynn Street, Suite 117, Fayetteville, GA 30215June 20, 2003Full Service Brick and Mortar
    4422579Tyrone Branch1005 Tyrone Road, Tyrone, GA 30290August 26, 2003Full Service Brick and Mortar
    5427747Sharpsburg Branch1790 Highway 154, Sharpsburg, GA 30277April 09, 2004Full Service Brick and Mortar
    6432875Fairburn Branch8410 Senoia Road, Fairburn, GA 30213November 01, 2004Full Service Brick and Mortar
    7454788Old Norton Road Branch1170 Highway 54, Fayetteville, GA 30214September 05, 2006Full Service Brick and Mortar
    8478857Summit Branch10 Baynard Park, Newnan, GA 30265October 01, 2007Full Service Brick and Mortar

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