FDIC Certificate #: 58705 Status: Active Federal Reserve ID: 3718548 Date Established: March 24, 2008 WWW:http://www.firstlandmarkonline.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 463368 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: March 24, 2008 Last Structure Change Effective Date: July 12, 2010 Last Structure Change Process Date: July 15, 2010 Last Data Update: July 15, 2010 Data Source Date: April 05, 2012
Location
Address: 307 North Marietta Parkway, Marietta, GA 30060 County: Cobb 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)
History of Changes
Change in Location
Financial Summary
Total assets: $185.5 mil Equity capital: $19.9 mil Deposits held in domestic offices: $154.1 mil Return on assets (ROA): 0.74% ($1.4 mil) Quarterly return on assets: 0.83% ($1.5 mil) Return on Equity (ROE): 6.47% ($1.3 mil) Quarterly return on equity: 7.55% ($1.5 mil) Net income: $1.2 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.74% ($1,372.9 mil) Quarterly Pretax return on assets: 0.83% ($1,539.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
28Total employees (full-time equivalent)
$185,530Total assets
$19,803Cash and due from depository institutions
$14,907Interest-bearing balances
$51,951Securities
$75Federal funds sold & reverse repurchase agreements
$103,132Net loans & leases
$2,040Loan loss allowance
$0Trading account assets
$7,992Bank premises and fixed assets
$1,280Other real estate owned
$0Goodwill and other intangibles
$185,530Life insurance assets
$1,297All other assets
$165,644Total liabilities and capital
$154,055Total liabilities
$134,759Total deposits
$154,055Interest-bearing deposits
$89Deposits held in domestic offices
1921.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,700Trading liabilities
$0Other borrowed funds
$968Subordinated debt
$19,886All other liabilities
$19,886Total equity capital
$19,886Total bank equity capital
$0Perpetual preferred stock
$10,462Common stock
$11,967Surplus
$-2,543Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$574Long-term assets (5+ years)
$170,065Average Assets, year-to-date
$47,455Average Assets, quarterly
$166,435Volatile liabilities
$181,077Insider loans
$132,568FHLB advances
$179,909Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,290Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$27,447Restructured Loans and leases
$7,889Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,465Total interest income
$1,561Total interest expense
$5,904Net interest income
$475Provision for loan and lease losses
$195Total noninterest income
$0Fiduciary activities
$110Service charges on deposit accounts
$0Trading account gains & fees
$85Additional noninterest income
$4,396Total noninterest expense
$2,490Salaries and employee benefits
$633Premises and equipment expense
$1,273Additional noninterest expense
$1,228Pre-tax net operating income
-$3Securities gains (losses)
$0Applicable income taxes
$1,225Income before extraordinary items
$0Extraordinary gains - net
$1,225Net income attributable to bank
$0Net charge-offs
$1,225Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.92%Yield on earning assets
1.03%Cost of funding earning assets
3.89%Net interest margin
0.13%Noninterest income to earning assets
2.90%Noninterest expense to earning assets
0.74%Net operating income to assets
0.74%Return on assets (ROA)
0.74%Pretax return on assets
6.47%Return on equity (ROE)
6.47%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
72,077Assets per employee
6.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.94%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.69%Noncurrent loans to loans
0.00%Net loans and leases to deposits
66.94%Net loans and leases to core deposits
70.55%Equity capital to assets
10.72%Core capital (leverage) ratio
10.72%Tier 1 risk-based capital ratio
14.55%Total risk-based capital ratio
Memoranda
$16Average assets
$166,435Average earning assets
$18,945Average equity
$151,800Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
463368
First Landmark Bank
307 North Marietta Parkway, Marietta, GA 30060
March 24, 2008
Full Service Brick and Mortar
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