Walton Bank & Trust Co. in Monroe, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 25, 2001

  • Walton Bank & Trust Co. in Monroe, Georgia (GA)
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Walton Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 27313
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Main Street Bank (#9243)
    Federal Reserve ID: 1214439
    Date Established: August 15, 1988
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 39509
    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: August 15, 1988
    Last Structure Change Effective Date: January 25, 2001
    Last Structure Change Process Date: March 23, 2001
    Last Data Update: March 23, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 1302 West Spring Street, Monroe, GA 30655
    County: Walton
    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: $61.8 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $61,778Total assets
  • $1,484Cash and due from depository institutions
  • $0Interest-bearing balances
  • $14,366Securities
  • $3,340Federal funds sold & reverse repurchase agreements
  • $40,849Net loans & leases
  • $507Loan loss allowance
  • $0Trading account assets
  • $723Bank premises and fixed assets
  • $205Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $811All other assets
  • $61,778Total liabilities and capital
  • $54,426Total liabilities
  • $54,009Total deposits
  • $47,204Interest-bearing deposits
  • $54,009Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $13Other borrowed funds
  • $0Subordinated debt
  • $404All other liabilities
  • $7,352Total equity capital
  • $7,352Total bank equity capital
  • $7,352Perpetual preferred stock
  • $0Common stock
  • $2,250Surplus
  • $742Undivided profits
  • Memoranda
  • $4,360Noncurrent loans and leases
  • $7,952Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $256Earning assets
  • $0Long-term assets (5+ years)
  • $457Average Assets, year-to-date
  • $58,555Average Assets, quarterly
  • $4,426Volatile liabilities
  • $59,459Insider loans
  • $61,101FHLB advances
  • $12,465Loans and leases held for sale
  • $1,075Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,952Total unused commitments
  • $0Restructured Loans and leases
  • $507Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $5,403Total interest income
  • $2,429Total interest expense
  • $2,974Net interest income
  • $130Provision for loan and lease losses
  • $771Total noninterest income
  • $0Fiduciary activities
  • $462Service charges on deposit accounts
  • $0Trading account gains & fees
  • $309Additional noninterest income
  • $1,933Total noninterest expense
  • $1,048Salaries and employee benefits
  • $225Premises and equipment expense
  • $660Additional noninterest expense
  • $1,682Pre-tax net operating income
  • -$4Securities gains (losses)
  • $586Applicable income taxes
  • $1,092Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,092Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $49Sale, conversion, retirement of capital stock, net
  • $225Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.65%Yield on earning assets
  • 4.34%Cost of funding earning assets
  • 5.31%Net interest margin
  • 1.38%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 1.84%Net operating income to assets
  • 1.84%Return on assets (ROA)
  • 2.82%Pretax return on assets
  • 16.42%Return on equity (ROE)
  • 13.04%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 265.31%Credit loss provision to net charge-offs
  • 36.98%Efficiency ratio
  • 51,615Assets per employee
  • 2.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.60%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 198.05%Noncurrent assets plus other real estate owned to assets
  • 0.75%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 75.63%Net loans and leases to core deposits
  • 98.33%Equity capital to assets
  • 11.90%Core capital (leverage) ratio
  • 11.95%Tier 1 risk-based capital ratio
  • 17.70%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $59,459Average earning assets
  • $6,651Average equity
  • $55,999Average loans

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