FDIC Certificate #: 33809 Status: Inactive Federal Reserve ID: 2049197 Date Established: May 28, 1993 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 48092 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: May 28, 1993 Last Structure Change Effective Date: June 06, 2000 Last Structure Change Process Date: August 23, 2000 Last Data Update: August 23, 2000 Data Source Date: April 05, 2012
Location
Address: 33 West 11th Street, Columbus, GA 31901 County: Muscogee Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Dallas 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)
History of Changes
Other Liquidations and Closings
Change in Insurance Status
Financial Summary
Total assets: $10.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
0Total employees (full-time equivalent)
$11,050Total assets
$426Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$10,624Federal 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
$0All other assets
$11,050Total liabilities and capital
$983Total liabilities
$101Total deposits
$0Interest-bearing deposits
$101Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$787Other borrowed funds
$0Subordinated debt
$95All other liabilities
$10,067Total equity capital
$10,067Total bank equity capital
$10,067Perpetual preferred stock
$0Common stock
$3,000Surplus
$3,000Undivided profits
Memoranda
$4,067Noncurrent 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
$10,624Average Assets, quarterly
$0Volatile liabilities
$52,136Insider loans
$24,226FHLB advances
$887Loans 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, 1999)
Dollar figures in thousands
$4,981Total interest income
$1,529Total interest expense
$3,452Net interest income
$1,562Provision for loan and lease losses
$24,501Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$24,501Additional noninterest income
$7,919Total noninterest expense
$115Salaries and employee benefits
$4Premises and equipment expense
$7,800Additional noninterest expense
$18,472Pre-tax net operating income
$0Securities gains (losses)
$7,186Applicable income taxes
$11,286Income before extraordinary items
$0Extraordinary gains - net
$11,286Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,562Sale, conversion, retirement of capital stock, net
$14,000Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
10.87%Yield on earning assets
3.34%Cost of funding earning assets
7.53%Net interest margin
53.45%Noninterest income to earning assets
17.28%Noninterest expense to earning assets
21.65%Net operating income to assets
21.65%Return on assets (ROA)
35.43%Pretax return on assets
68.62%Return on equity (ROE)
-16.50%Retained earnings to average equity (YTD only)
5.77%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
12.83%Efficiency ratio
28,330Assets per employee
0.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
124.05%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
91.10%Core capital (leverage) ratio
35.17%Tier 1 risk-based capital ratio
459.68%Total risk-based capital ratio
Memoranda
$460Average assets
$52,136Average earning assets
$16,447Average equity
$45,839Average loans
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