The First National Bank of Jackson County in Jefferson, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 13, 1996

  • The First National Bank of Jackson County in Jefferson, Georgia (GA)
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The First National Bank of Jackson County - Overview

  • General
  • FDIC Certificate #: 2134
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 508935
    Date Established: January 01, 1908
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 1408
    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: June 13, 1996
    Last Structure Change Process Date: July 08, 1996
    Last Data Update: July 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 121 Lee Street, Jefferson, GA 30549
    County: Jackson
    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
  • Financial Summary
  • Total assets: $60.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $34Total assets
  • $60,379Cash and due from depository institutions
  • $1,136Interest-bearing balances
  • $199Securities
  • $9,615Federal funds sold & reverse repurchase agreements
  • $2,891Net loans & leases
  • $44,956Loan loss allowance
  • $889Trading account assets
  • $0Bank premises and fixed assets
  • $923Other real estate owned
  • $0Goodwill and other intangibles
  • $858Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $60,379Total liabilities
  • $54,815Total deposits
  • $54,488Interest-bearing deposits
  • $43,973Deposits held in domestic offices
  • 54488.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $327Total equity capital
  • $327Total bank equity capital
  • $5,564Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $500Undivided profits
  • Memoranda
  • $4,564Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $567Income earned, not collected on loans
  • $457Earning assets
  • $57,661Long-term assets (5+ years)
  • $5,406Average Assets, year-to-date
  • $59,632Average Assets, quarterly
  • $59,608Volatile liabilities
  • $8,059Insider loans
  • $1,444FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,243Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,533Total risk weighted assets
  • $45,664Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,310Total interest expense
  • $1,990Net interest income
  • $3,320Provision for loan and lease losses
  • $384Total noninterest income
  • $553Fiduciary activities
  • $0Service charges on deposit accounts
  • $390Trading account gains & fees
  • $0Additional noninterest income
  • $163Total noninterest expense
  • $2,469Salaries and employee benefits
  • $1,199Premises and equipment expense
  • $256Additional noninterest expense
  • $1,014Pre-tax net operating income
  • $1,020Securities gains (losses)
  • $12Applicable income taxes
  • $418Income before extraordinary items
  • $614Extraordinary gains - net
  • $0Net income attributable to bank
  • $614Net charge-offs
  • $101Cash dividends
  • $353Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.33%Cost of funding earning assets
  • 3.50%Net interest margin
  • 5.83%Noninterest income to earning assets
  • 0.97%Noninterest expense to earning assets
  • 4.34%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 1.73%Return on equity (ROE)
  • 11.28%Retained earnings to average equity (YTD only)
  • 4.79%Net charge-offs to loans
  • 0.24%Credit loss provision to net charge-offs
  • 380.20%Efficiency ratio
  • 63,749Assets per employee
  • 1.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.49%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 156.79%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 1.24%Net loans and leases to deposits
  • 82.51%Net loans and leases to core deposits
  • 96.83%Equity capital to assets
  • 9.22%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 12.12%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $59,632Average earning assets
  • $5,445Average equity
  • $56,930Average loans

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