The Brand Banking Company in Lawrenceville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Brand Banking Company in Lawrenceville, Georgia (GA)
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The Brand Banking Company - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 421Total employees (full-time equivalent)
  • $1,209,041Total assets
  • $29,657Cash and due from depository institutions
  • $24,757Interest-bearing balances
  • $211,161Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $862,663Net loans & leases
  • $42,928Loan loss allowance
  • $0Trading account assets
  • $17,024Bank premises and fixed assets
  • $10,307Other real estate owned
  • $0Goodwill and other intangibles
  • $1,209,041Life insurance assets
  • $78,229All other assets
  • $1,076,118Total liabilities and capital
  • $997,251Total liabilities
  • $845,072Total deposits
  • $997,251Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 27700.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $40,000Trading liabilities
  • $0Other borrowed funds
  • $11,167Subordinated debt
  • $132,923All other liabilities
  • $132,923Total equity capital
  • $132,923Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $109,950Surplus
  • $22,573Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $71,271Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $203,898Income earned, not collected on loans
  • $0Earning assets
  • $4,364Long-term assets (5+ years)
  • $1,098,581Average Assets, year-to-date
  • $201,038Average Assets, quarterly
  • $1,218,454Volatile liabilities
  • $1,216,693Insider loans
  • $891,613FHLB advances
  • $1,178,395Loans and leases held for sale
  • $20,679Unused loan commitments
  • $20,679Tier 1 (core) risk-based capital
  • $102,159Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $62,799Restructured Loans and leases
  • $11,172Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,074Total interest income
  • $11,860Total interest expense
  • $28,214Net interest income
  • $26,500Provision for loan and lease losses
  • $22,184Total noninterest income
  • $0Fiduciary activities
  • $2,384Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19,800Additional noninterest income
  • $58,051Total noninterest expense
  • $32,327Salaries and employee benefits
  • $4,715Premises and equipment expense
  • $21,009Additional noninterest expense
  • -$34,153Pre-tax net operating income
  • -$30Securities gains (losses)
  • -$28,262Applicable income taxes
  • -$5,921Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,921Net income attributable to bank
  • $0Net charge-offs
  • -$5,921Cash dividends
  • $20,639Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.60%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 2.53%Net interest margin
  • 1.99%Noninterest income to earning assets
  • 5.22%Noninterest expense to earning assets
  • -0.48%Net operating income to assets
  • -0.49%Return on assets (ROA)
  • -2.81%Pretax return on assets
  • -5.60%Return on equity (ROE)
  • -5.60%Retained earnings to average equity (YTD only)
  • 2.40%Net charge-offs to loans
  • 128.40%Credit loss provision to net charge-offs
  • -0.37%Efficiency ratio
  • 115,185Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.74%Loss allowance to noncurrent loans
  • 21.05%Noncurrent assets plus other real estate owned to assets
  • 17.72%Noncurrent loans to loans
  • 22.52%Net loans and leases to deposits
  • 86.50%Net loans and leases to core deposits
  • 103.03%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 8.67%Tier 1 risk-based capital ratio
  • 11.46%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,218,454Average earning assets
  • $105,676Average equity
  • $1,113,136Average loans

List of branches

  • 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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