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

This bank is inactive as of June 20, 1996

  • The First National Bank of Paulding County in Dallas, Georgia (GA)
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The First National Bank of Paulding County - Overview

  • General
  • FDIC Certificate #: 2129
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 472036
    Date Established: Febuary 01, 1922
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    FDIC's unique #: 1404
    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 20, 1996
    Last Structure Change Process Date: July 08, 1996
    Last Data Update: July 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 160 Confederate Avenue, Dallas, GA 30132
    County: Paulding
    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)
  • Financial Summary
  • Total assets: $207.3 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)
  • $75Total assets
  • $208,043Cash and due from depository institutions
  • $3,346Interest-bearing balances
  • $1,189Securities
  • $107,077Federal funds sold & reverse repurchase agreements
  • $5,921Net loans & leases
  • $85,666Loan loss allowance
  • $1,433Trading account assets
  • $0Bank premises and fixed assets
  • $2,690Other real estate owned
  • $0Goodwill and other intangibles
  • $2,744Life insurance assets
  • $599All other assets
  • $0Total liabilities and capital
  • $208,043Total liabilities
  • $192,442Total deposits
  • $179,148Interest-bearing deposits
  • $149,024Deposits held in domestic offices
  • 179148.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $11,492Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,802Total equity capital
  • $1,802Total bank equity capital
  • $15,601Perpetual preferred stock
  • $0Common stock
  • $225Surplus
  • $1,402Undivided profits
  • Memoranda
  • $13,974Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,176Income earned, not collected on loans
  • $563Earning assets
  • $199,853Long-term assets (5+ years)
  • $44,338Average Assets, year-to-date
  • $188,339Average Assets, quarterly
  • $200,673Volatile liabilities
  • $24,247Insider loans
  • $4,173FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $22,961Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,816Total risk weighted assets
  • $111,298Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,631Total interest expense
  • $6,413Net interest income
  • $8,218Provision for loan and lease losses
  • $123Total noninterest income
  • $1,731Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,086Trading account gains & fees
  • $0Additional noninterest income
  • $645Total noninterest expense
  • $5,586Salaries and employee benefits
  • $2,662Premises and equipment expense
  • $664Additional noninterest expense
  • $2,260Pre-tax net operating income
  • $4,240Securities gains (losses)
  • -$6Applicable income taxes
  • $1,309Income before extraordinary items
  • $2,925Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,925Net charge-offs
  • $108Cash dividends
  • $1,240Sale, 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
  • 8.13%Cost of funding earning assets
  • 3.57%Net interest margin
  • 4.57%Noninterest income to earning assets
  • 0.96%Noninterest expense to earning assets
  • 3.11%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 2.25%Return on equity (ROE)
  • 20.87%Retained earnings to average equity (YTD only)
  • 12.03%Net charge-offs to loans
  • 0.13%Credit loss provision to net charge-offs
  • 113.89%Efficiency ratio
  • 55,543Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.39%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 121.85%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 47.82%Net loans and leases to core deposits
  • 51.48%Equity capital to assets
  • 7.50%Core capital (leverage) ratio
  • 7.43%Tier 1 risk-based capital ratio
  • 13.31%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $188,339Average earning assets
  • $14,012Average equity
  • $179,867Average loans

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