United Community Bank Metro in Marietta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 01, 2002

  • United Community Bank Metro in Marietta, Georgia (GA)
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United Community Bank Metro - Overview

  • General
  • FDIC Certificate #: 32735
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Community Bank (#16889)
    Federal Reserve ID: 1436099
    Date Established: January 11, 1990
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 13432
    FDIC's unique #: 45600
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 11, 1990
    Last Structure Change Effective Date: December 01, 2002
    Last Structure Change Process Date: January 15, 2003
    Last Data Update: January 15, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 1001 Polk Street, Marietta, GA 30064
    County: Cobb
    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: $223.7 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, 2001)

  • Dollar figures in thousands
  • 57Total employees (full-time equivalent)
  • $163,925Total assets
  • $7,434Cash and due from depository institutions
  • $314Interest-bearing balances
  • $21,073Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $121,732Net loans & leases
  • $1,667Loan loss allowance
  • $0Trading account assets
  • $5,978Bank premises and fixed assets
  • $77Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $7,631All other assets
  • $163,925Total liabilities and capital
  • $148,649Total liabilities
  • $139,291Total deposits
  • $120,122Interest-bearing deposits
  • $139,291Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,294Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,221Other borrowed funds
  • $0Subordinated debt
  • $1,843All other liabilities
  • $15,276Total equity capital
  • $15,276Total bank equity capital
  • $15,276Perpetual preferred stock
  • $0Common stock
  • $1,866Surplus
  • $11,280Undivided profits
  • Memoranda
  • $2,130Noncurrent loans and leases
  • $34,394Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $885Average Assets, year-to-date
  • $143,119Average Assets, quarterly
  • $27,553Volatile liabilities
  • $156,443Insider loans
  • $159,060FHLB advances
  • $28,209Loans and leases held for sale
  • $287Unused loan commitments
  • $3,221Tier 1 (core) risk-based capital
  • $2,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $34,394Total unused commitments
  • $0Restructured Loans and leases
  • $1,667Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $12,502Total interest income
  • $5,411Total interest expense
  • $7,091Net interest income
  • $254Provision for loan and lease losses
  • $898Total noninterest income
  • $0Fiduciary activities
  • $519Service charges on deposit accounts
  • $0Trading account gains & fees
  • $379Additional noninterest income
  • $5,674Total noninterest expense
  • $2,930Salaries and employee benefits
  • $727Premises and equipment expense
  • $2,017Additional noninterest expense
  • $2,061Pre-tax net operating income
  • $0Securities gains (losses)
  • $680Applicable income taxes
  • $1,381Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,381Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $40Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.86%Yield on earning assets
  • 3.84%Cost of funding earning assets
  • 5.03%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 9.43%Return on equity (ROE)
  • 9.15%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 619.51%Credit loss provision to net charge-offs
  • 56.46%Efficiency ratio
  • 71,023Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.90%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 87.39%Net loans and leases to core deposits
  • 105.42%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 9.52%Tier 1 risk-based capital ratio
  • 10.20%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $156,443Average earning assets
  • $14,651Average equity
  • $141,087Average loans

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