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- Banks in Georgia (GA)
- Walton Bank & Trust Co.
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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- Banks in Georgia (GA)
- Walton Bank & Trust Co.
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