FDIC Certificate #: 35389 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Peachtree National Bank (#26805) Federal Reserve ID: 2908641 Date Established: June 26, 2000 WWW:http://www.pointpathbank.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 79493 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: June 26, 2000 Last Structure Change Effective Date: November 30, 2004 Last Structure Change Process Date: December 21, 2004 Last Data Update: December 21, 2004 Data Source Date: April 05, 2012
Location
Address: 500 11th Street, Columbus, GA 31901 County: Muscogee 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): Columbus, GA-AL (#1800) Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194) Core Based Statistical Area (CBSA): Columbus, GA-AL (#17980) CBSA Metro Statistical Area: Columbus, GA-AL (#17980)
Financial Summary
Total assets: $6.2 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2003)
Dollar figures in thousands
0Total employees (full-time equivalent)
$6,178Total assets
$6Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$4,884Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,288All other assets
$6,178Total liabilities and capital
$500Total liabilities
$500Total deposits
$500Interest-bearing deposits
$500Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$5,678Total equity capital
$5,678Total bank equity capital
$5,678Perpetual preferred stock
$0Common stock
$1Surplus
$12,673Undivided profits
Memoranda
$-6,996Noncurrent loans and leases
$0Noncurrent 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)
$0Average Assets, year-to-date
$4,884Average Assets, quarterly
$0Volatile liabilities
$5,971Insider loans
$6,165FHLB advances
$500Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$69Total interest income
$4Total interest expense
$65Net interest income
$0Provision for loan and lease losses
$686Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$686Additional noninterest income
$834Total noninterest expense
$0Salaries and employee benefits
$701Premises and equipment expense
$133Additional noninterest expense
-$83Pre-tax net operating income
$0Securities gains (losses)
-$33Applicable income taxes
-$50Income before extraordinary items
$0Extraordinary gains - net
-$50Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.64%Yield on earning assets
0.10%Cost of funding earning assets
1.54%Net interest margin
16.30%Noninterest income to earning assets
19.81%Noninterest expense to earning assets
-0.84%Net operating income to assets
-0.84%Return on assets (ROA)
-1.39%Pretax return on assets
-0.88%Return on equity (ROE)
-0.88%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
111,052Assets per employee
0.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
91.91%Core capital (leverage) ratio
97.24%Tier 1 risk-based capital ratio
270.90%Total risk-based capital ratio
Memoranda
$271Average assets
$5,971Average earning assets
$5,671Average equity
$4,210Average loans
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