The Brand Banking Company in Lawrenceville, Georgia (GA)



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The Brand Banking Company
GeneralFDIC Certificate #: 878
Status: Active
Federal Reserve ID: 701736
Bank Holding Company (Regulatory Top Holder): Brand Group Holdings, Inc. (RSSDID: 3244113, Location: Lawrenceville, GA)
Date Established: January 01, 1905
WWW: http://www.thebrandbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 560
Numeric code: 13
Regulator: FED
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: January 01, 1934
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
LocationAddress: 106 East Crogan Street, Lawrenceville, GA 30046
County: Gwinnett
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $1,209.0 mil
Equity capital: $132.9 mil
Deposits held in domestic offices: $997.3 mil
Return on assets (ROA): -0.49% (-$5.9 mil)
Quarterly return on assets: -2.63% (-$31.8 mil)
Return on Equity (ROE): -5.60% (-$7.4 mil)
Quarterly return on equity: -23.38% (-$31.1 mil)
Net income: -$5.9 mil
Quarterly Net income: -$8.0 mil
Pretax return on assets: -2.81% (-$33,974.1 mil)
Quarterly Pretax return on assets: -4.41% (-$53,318.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)
Total employees (full-time equivalent)421
Total assets$1,209,041
Cash and due from depository institutions$29,657
Interest-bearing balances$24,757
Securities$211,161
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$862,663
Loan loss allowance $42,928
Trading account assets$0
Bank premises and fixed assets$17,024
Other real estate owned$10,307
Goodwill and other intangibles$0
All other assets$78,229
Life insurance assets$1,209,041
Total liabilities and capital$1,076,118
Total liabilities$997,251
Total deposits$845,072
Interest-bearing deposits$997,251
Deposits held in domestic offices$93
% insured (estimated)27700.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$40,000
Other borrowed funds $0
Subordinated debt $11,167
All other liabilities $132,923
Total equity capital$132,923
Total bank equity capital$132,923
Perpetual preferred stock$0
Common stock$400
Surplus$109,950
Undivided profits $22,573
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $71,271
Income earned, not collected on loans $203,898
Earning assets $0
Long-term assets (5+ years) $4,364
Average Assets, year-to-date $1,098,581
Average Assets, quarterly $201,038
Volatile liabilities $1,218,454
Insider loans $1,216,693
FHLB advances $891,613
Loans and leases held for sale $1,178,395
Unused loan commitments $20,679
Tier 1 (core) risk-based capital $20,679
Tier 2 risk-based capital $102,159
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $62,799
Derivatives$11,172
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $40,074
Total interest expense $11,860
Net interest income $28,214
Provision for loan and lease losses $26,500
Total noninterest income $22,184
Fiduciary activities $0
Service charges on deposit accounts $2,384
Trading account gains & fees $0
Additional noninterest income $19,800
Total noninterest expense $58,051
Salaries and employee benefits $32,327
Premises and equipment expense $4,715
Additional noninterest expense $21,009
Pre-tax net operating income -$34,153
Securities gains (losses) -$30
Applicable income taxes -$28,262
Income before extraordinary items -$5,921
Extraordinary gains - net $0
Net income attributable to bank -$5,921
Net charge-offs $0
Cash dividends -$5,921
Sale, conversion, retirement of capital stock, net $20,639
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.60%
Cost of funding earning assets 1.07%
Net interest margin 2.53%
Noninterest income to earning assets 1.99%
Noninterest expense to earning assets 5.22%
Net operating income to assets -0.48%
Return on assets (ROA) -0.49%
Pretax return on assets -2.81%
Return on equity (ROE) -5.60%
Retained earnings to average equity (YTD only) -5.60%
Net charge-offs to loans 2.40%
Credit loss provision to net charge-offs 128.40%
Efficiency ratio-0.37%
Assets per employee$115,185
Cash dividends to net income (YTD only)2.87%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.74%
Noncurrent assets plus other real estate owned to assets 21.05%
Noncurrent loans to loans 17.72%
Net loans and leases to deposits22.52%
Net loans and leases to core deposits 86.50%
Equity capital to assets 103.03%
Core capital (leverage) ratio 10.99%
Tier 1 risk-based capital ratio 8.67%
Total risk-based capital ratio 11.46%
Memoranda
Average assets$13
Average earning assets$1,218,454
Average equity $105,676
Average loans $1,113,136
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7 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0560The Brand Banking Company106 East Crogan Street, Lawrenceville, GA 30046January 01, 1905Full Service Brick and Mortar
2186490Snellville Branch2488 East Main Street, Snellville, GA 30078Febuary 21, 1972Full Service Brick and Mortar
3186491Hurricane Shoals Branch141 Hurricane Shoals Road Ne, Lawrenceville, GA 30046April 23, 1990Full Service Brick and Mortar
4357174Grayson Branch2100 Grayson Hwy., Grayson, GA 30017January 07, 1999Full Service Brick and Mortar
5359583Flowery Branch Branch5319 Atlanta Highway, Flowery Branch, GA 30542Febuary 26, 2001Full Service Brick and Mortar
6468927Duluth Branch6224 Sugarloaf Pkwy, Duluth, GA 30097October 17, 2007Full Service Brick and Mortar
7468928Buford Branch2255 Buford Hwy, Buford, GA 30518September 05, 2007Full Service Brick and Mortar
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