Citizens Bank in Ball Ground, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 24, 1996

  • Citizens Bank in Ball Ground, Georgia (GA)
  • Show street view No street view available for this location

Citizens Bank - Overview

  • General
  • FDIC Certificate #: 153
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#26976)
    Federal Reserve ID: 1005637
    Date Established: October 01, 1926
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 120
    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 01, 1934
    Last Structure Change Effective Date: May 24, 1996
    Last Structure Change Process Date: July 23, 1996
    Last Data Update: July 23, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: State Highway 5 & Cartersville St., Ball Ground, GA 30107
    County: Cherokee
    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: $101.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $43Total assets
  • $92,346Cash and due from depository institutions
  • $1,611Interest-bearing balances
  • $396Securities
  • $35,117Federal funds sold & reverse repurchase agreements
  • $1,752Net loans & leases
  • $48,850Loan loss allowance
  • $1,002Trading account assets
  • $0Bank premises and fixed assets
  • $3,111Other real estate owned
  • $36Goodwill and other intangibles
  • $1,869Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $92,346Total liabilities
  • $83,541Total deposits
  • $82,599Interest-bearing deposits
  • $69,165Deposits held in domestic offices
  • 82599.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $942Total equity capital
  • $942Total bank equity capital
  • $8,805Perpetual preferred stock
  • $0Common stock
  • $810Surplus
  • $8,024Undivided profits
  • Memoranda
  • $-29Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $490Income earned, not collected on loans
  • $299Earning assets
  • $86,115Long-term assets (5+ years)
  • $15,405Average Assets, year-to-date
  • $90,557Average Assets, quarterly
  • $92,376Volatile liabilities
  • $8,548Insider loans
  • $56FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $21,979Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,593Total risk weighted assets
  • $60,028Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,908Total interest expense
  • $3,141Net interest income
  • $3,767Provision for loan and lease losses
  • -$76Total noninterest income
  • $1,086Fiduciary activities
  • $0Service charges on deposit accounts
  • $752Trading account gains & fees
  • $0Additional noninterest income
  • $334Total noninterest expense
  • $3,124Salaries and employee benefits
  • $1,411Premises and equipment expense
  • $392Additional noninterest expense
  • $1,321Pre-tax net operating income
  • $1,805Securities gains (losses)
  • $12Applicable income taxes
  • $505Income before extraordinary items
  • $1,312Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,312Net charge-offs
  • -$271Cash dividends
  • $531Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.20%Cost of funding earning assets
  • 3.73%Net interest margin
  • 4.47%Noninterest income to earning assets
  • 1.29%Noninterest expense to earning assets
  • 3.71%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 2.01%Return on equity (ROE)
  • 16.32%Retained earnings to average equity (YTD only)
  • 9.72%Net charge-offs to loans
  • -0.62%Credit loss provision to net charge-offs
  • 28.04%Efficiency ratio
  • 64,373Assets per employee
  • 2.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.47%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 204.49%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 59.14%Net loans and leases to core deposits
  • 65.97%Equity capital to assets
  • 9.53%Core capital (leverage) ratio
  • 9.39%Tier 1 risk-based capital ratio
  • 14.32%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $90,557Average earning assets
  • $8,037Average equity
  • $84,215Average loans

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