Community Trust Bank in Hiram, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 25, 2008

  • Community Trust Bank in Hiram, Georgia (GA)
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Community Trust Bank - Overview

  • General
  • FDIC Certificate #: 27163
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: SunTrust Bank (#867)
    Federal Reserve ID: 1164347
    Date Established: Febuary 02, 1988
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 13548
    FDIC's unique #: 38996
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 02, 1988
    Last Structure Change Effective Date: July 25, 2008
    Last Structure Change Process Date: August 11, 2008
    Last Data Update: August 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3844 Atlanta Highway, Hiram, GA 30141
    County: Paulding
    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: $279.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)

  • Dollar figures in thousands
  • 60Total employees (full-time equivalent)
  • $318,262Total assets
  • $7,522Cash and due from depository institutions
  • $678Interest-bearing balances
  • $35,949Securities
  • $1,618Federal funds sold & reverse repurchase agreements
  • $240,793Net loans & leases
  • $7,959Loan loss allowance
  • $0Trading account assets
  • $4,820Bank premises and fixed assets
  • $15,545Other real estate owned
  • $0Goodwill and other intangibles
  • $3,016Life insurance assets
  • $12,015All other assets
  • $318,261Total liabilities and capital
  • $292,505Total liabilities
  • $254,330Total deposits
  • $234,838Interest-bearing deposits
  • $254,330Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $8,166Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $26,000Other borrowed funds
  • $0Subordinated debt
  • $4,009All other liabilities
  • $25,756Total equity capital
  • $25,756Total bank equity capital
  • $25,756Perpetual preferred stock
  • $0Common stock
  • $2,048Surplus
  • $22,506Undivided profits
  • Memoranda
  • $1,202Noncurrent loans and leases
  • $37,764Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $22,654Earning assets
  • $0Long-term assets (5+ years)
  • $2,015Average Assets, year-to-date
  • $279,038Average Assets, quarterly
  • $13,563Volatile liabilities
  • $323,672Insider loans
  • $324,583FHLB advances
  • $103,251Loans and leases held for sale
  • $760Unused loan commitments
  • $26,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $37,764Total unused commitments
  • $0Restructured Loans and leases
  • $3,664Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $23,569Total interest income
  • $12,901Total interest expense
  • $10,668Net interest income
  • $7,741Provision for loan and lease losses
  • $1,027Total noninterest income
  • $0Fiduciary activities
  • $1,546Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$519Additional noninterest income
  • $7,876Total noninterest expense
  • $4,095Salaries and employee benefits
  • $897Premises and equipment expense
  • $2,884Additional noninterest expense
  • -$3,922Pre-tax net operating income
  • $4Securities gains (losses)
  • -$1,589Applicable income taxes
  • -$2,329Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,329Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $4,167Sale, conversion, retirement of capital stock, net
  • $1,455Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.01%Yield on earning assets
  • 4.39%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • -0.72%Net operating income to assets
  • -0.72%Return on assets (ROA)
  • -1.21%Pretax return on assets
  • -8.81%Return on equity (ROE)
  • -14.31%Retained earnings to average equity (YTD only)
  • 1.59%Net charge-offs to loans
  • 185.77%Credit loss provision to net charge-offs
  • 0.92%Efficiency ratio
  • 67,345Assets per employee
  • 5.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -62.47%Loss allowance to loans
  • 3.20%Loss allowance to noncurrent loans
  • 35.13%Noncurrent assets plus other real estate owned to assets
  • 12.00%Noncurrent loans to loans
  • 9.11%Net loans and leases to deposits
  • 94.68%Net loans and leases to core deposits
  • 133.59%Equity capital to assets
  • 8.09%Core capital (leverage) ratio
  • 7.43%Tier 1 risk-based capital ratio
  • 8.92%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $323,672Average earning assets
  • $26,447Average equity
  • $294,086Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $255Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $255Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $255Fiduciary accounts held in foreign offices

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