FDIC Certificate #: 58413 Status: Active Federal Reserve ID: 3482045 Bank Holding Company (Regulatory Top Holder): Embassy Bancshares, Inc. (RSSDID: 3482054, Location: Lawrenceville, GA) Date Established: March 05, 2007 WWW:http://www.embassynationalbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 451152 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: March 05, 2007 Last Structure Change Effective Date: October 01, 2009 Last Structure Change Process Date: October 02, 2009 Last Data Update: October 02, 2009 Data Source Date: April 05, 2012
Location
Address: 1817 North Brown Road, Lawrenceville, GA 30043 County: Gwinnett 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: $55.1 mil Equity capital: $8.5 mil Deposits held in domestic offices: $46.3 mil Return on assets (ROA): 2.33% ($1.3 mil) Quarterly return on assets: -2.84% (-$1.6 mil) Return on Equity (ROE): 16.73% ($1.3 mil) Quarterly return on equity: -18.14% (-$1.5 mil) Net income: $1.4 mil Quarterly Net income: -$0.4 mil Pretax return on assets: 2.33% ($1,283.0 mil) Quarterly Pretax return on assets: -2.84% (-$1,563.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
14Total employees (full-time equivalent)
$55,064Total assets
$9,693Cash and due from depository institutions
$9,529Interest-bearing balances
$114Securities
$0Federal funds sold & reverse repurchase agreements
$35,384Net loans & leases
$1,231Loan loss allowance
$0Trading account assets
$4,027Bank premises and fixed assets
$4,128Other real estate owned
$982Goodwill and other intangibles
$55,064Life insurance assets
$736All other assets
$46,593Total liabilities and capital
$46,325Total liabilities
$40,137Total deposits
$46,325Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$268Subordinated debt
$8,471All other liabilities
$8,471Total equity capital
$8,471Total bank equity capital
$0Perpetual preferred stock
$5,250Common stock
$9,579Surplus
$-6,358Undivided profits
Memoranda
$0Noncurrent loans and leases
$776Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$800Income earned, not collected on loans
$0Earning assets
$118Long-term assets (5+ years)
$45,027Average Assets, year-to-date
$212Average Assets, quarterly
$59,300Volatile liabilities
$55,333Insider loans
$43,342FHLB advances
$54,673Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,471Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$704Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,768Total interest income
$555Total interest expense
$2,213Net interest income
$121Provision for loan and lease losses
$3,050Total noninterest income
$0Fiduciary activities
$8Service charges on deposit accounts
$0Trading account gains & fees
$3,042Additional noninterest income
$3,763Total noninterest expense
$2,102Salaries and employee benefits
$320Premises and equipment expense
$1,341Additional noninterest expense
$1,379Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,379Income before extraordinary items
$0Extraordinary gains - net
$1,379Net income attributable to bank
$0Net charge-offs
$1,379Cash dividends
$181Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.68%Yield on earning assets
1.14%Cost of funding earning assets
4.54%Net interest margin
6.26%Noninterest income to earning assets
7.72%Noninterest expense to earning assets
2.33%Net operating income to assets
2.33%Return on assets (ROA)
2.33%Pretax return on assets
16.73%Return on equity (ROE)
16.73%Retained earnings to average equity (YTD only)
0.44%Net charge-offs to loans
66.85%Credit loss provision to net charge-offs
8.29%Efficiency ratio
71,499Assets per employee
3.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.36%Loss allowance to noncurrent loans
153.88%Noncurrent assets plus other real estate owned to assets
8.95%Noncurrent loans to loans
2.18%Net loans and leases to deposits
76.38%Net loans and leases to core deposits
79.65%Equity capital to assets
15.38%Core capital (leverage) ratio
15.49%Tier 1 risk-based capital ratio
19.54%Total risk-based capital ratio
Memoranda
$21Average assets
$59,300Average earning assets
$8,243Average equity
$48,743Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
451152
Embassy National Bank
1817 North Brown Road, Lawrenceville, GA 30043
March 05, 2007
Full Service Brick and Mortar
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