FDIC Certificate #: 863 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:SunTrust Bank, Tallahassee, National Association (#20554) Federal Reserve ID: 685630 Date Established: January 05, 1904 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 548 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: October 01, 1998 Last Structure Change Process Date: October 20, 1998 Last Data Update: October 20, 1998 Data Source Date: April 05, 2012
Location
Address: 206 East Lafayette Street, Marianna, FL 32446 County: Jackson Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Pensacola Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $156.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
71Total employees (full-time equivalent)
$153,299Total assets
$9,060Cash and due from depository institutions
$0Interest-bearing balances
$64,079Securities
$4,800Federal funds sold & reverse repurchase agreements
$71,755Net loans & leases
$1,081Loan loss allowance
$0Trading account assets
$1,905Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,700All other assets
$153,299Total liabilities and capital
$127,781Total liabilities
$126,816Total deposits
$99,086Interest-bearing deposits
$126,816Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$965All other liabilities
$25,518Total equity capital
$25,518Total bank equity capital
$25,518Perpetual preferred stock
$0Common stock
$1,000Surplus
$2,500Undivided profits
Memoranda
$22,018Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$216Earning assets
$0Long-term assets (5+ years)
$614Average Assets, year-to-date
$140,634Average Assets, quarterly
$9,475Volatile liabilities
$148,376Insider loans
$149,497FHLB advances
$12,965Loans and leases held for sale
$1,470Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$9,311Total unused commitments
$0Restructured Loans and leases
$81,840Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$11,187Total interest income
$4,168Total interest expense
$7,019Net interest income
$60Provision for loan and lease losses
$1,060Total noninterest income
$0Fiduciary activities
$743Service charges on deposit accounts
$0Trading account gains & fees
$317Additional noninterest income
$3,686Total noninterest expense
$2,405Salaries and employee benefits
$524Premises and equipment expense
$757Additional noninterest expense
$4,333Pre-tax net operating income
$0Securities gains (losses)
$1,554Applicable income taxes
$2,779Income before extraordinary items
$0Extraordinary gains - net
$2,779Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$36Sale, conversion, retirement of capital stock, net
$751Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.06%Yield on earning assets
3.00%Cost of funding earning assets
5.06%Net interest margin
0.76%Noninterest income to earning assets
2.66%Noninterest expense to earning assets
1.87%Net operating income to assets
1.87%Return on assets (ROA)
2.92%Pretax return on assets
11.42%Return on equity (ROE)
8.33%Retained earnings to average equity (YTD only)
-0.05%Net charge-offs to loans
-166.67%Credit loss provision to net charge-offs
0.00%Efficiency ratio
45,624Assets per employee
2.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.02%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
500.46%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.30%Net loans and leases to deposits
56.58%Net loans and leases to core deposits
63.03%Equity capital to assets
16.65%Core capital (leverage) ratio
17.09%Tier 1 risk-based capital ratio
31.16%Total risk-based capital ratio
Memoranda
$32Average assets
$148,376Average earning assets
$24,331Average equity
$138,775Average loans
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