First Liberty Bank in city_name, state_name - Detailed Financial Reports, Location

First Liberty Bank in Macon, Georgia (GA)
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First Liberty Bank - Overview

General
FDIC Certificate #: 29568
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Branch Banking and Trust Company (#9846)
Federal Reserve ID: 452177
Date Established: November 01, 1935
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 3678
FDIC's unique #: 42402
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: December 14, 1935
Last Structure Change Effective Date: May 20, 2000
Last Structure Change Process Date: June 07, 2000
Last Data Update: June 07, 2000
Data Source Date: April 05, 2012
Location
Address: 201 Second St, Macon, GA 31297
County: Bibb
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): Macon, GA (#4680)
Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
Core Based Statistical Area (CBSA): Macon, GA (#31420)
CBSA Metro Statistical Area: Macon, GA (#31420)
Financial Summary
Total assets: $1,810.6 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
674Total employees (full-time equivalent)
$1,765,277Total assets
$63,640Cash and due from depository institutions
$6,373Interest-bearing balances
$399,005Securities
$0Federal funds sold & reverse repurchase agreements
$1,176,554Net loans & leases
$16,397Loan loss allowance
$0Trading account assets
$27,686Bank premises and fixed assets
$1,406Other real estate owned
$36,406Goodwill and other intangibles
$0Life insurance assets
$60,580All other assets
$1,765,277Total liabilities and capital
$1,641,619Total liabilities
$1,064,842Total deposits
$944,762Interest-bearing deposits
$1,064,842Deposits held in domestic offices
0.00%% insured (estimated)
$350,424Federal funds purchased & repurchase agreements
$0Trading liabilities
$199,999Other borrowed funds
$0Subordinated debt
$26,354All other liabilities
$123,658Total equity capital
$123,658Total bank equity capital
$123,658Perpetual preferred stock
$0Common stock
$1,679Surplus
$69,973Undivided profits
Memoranda
$52,006Noncurrent loans and leases
$354,442Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$7,467Earning assets
$0Long-term assets (5+ years)
$8,738Average Assets, year-to-date
$1,581,932Average Assets, quarterly
$0Volatile liabilities
$1,707,067Insider loans
$1,752,002FHLB advances
$778,122Loans and leases held for sale
$92Unused loan commitments
$199,999Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$354,442Total unused commitments
$1,900Restructured Loans and leases
$16,397Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$125,905Total interest income
$65,258Total interest expense
$60,647Net interest income
$9,728Provision for loan and lease losses
$16,605Total noninterest income
$0Fiduciary activities
$79Service charges on deposit accounts
$0Trading account gains & fees
$16,526Additional noninterest income
$60,293Total noninterest expense
$32,426Salaries and employee benefits
$8,714Premises and equipment expense
$19,153Additional noninterest expense
$7,231Pre-tax net operating income
$5,684Securities gains (losses)
$4,099Applicable income taxes
$8,816Income before extraordinary items
$0Extraordinary gains - net
$8,816Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$8,264Sale, conversion, retirement of capital stock, net
$10,000Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.24%Yield on earning assets
4.27%Cost of funding earning assets
3.97%Net interest margin
1.09%Noninterest income to earning assets
3.95%Noninterest expense to earning assets
0.29%Net operating income to assets
0.52%Return on assets (ROA)
0.76%Pretax return on assets
6.77%Return on equity (ROE)
-0.91%Retained earnings to average equity (YTD only)
0.74%Net charge-offs to loans
117.72%Credit loss provision to net charge-offs
2.05%Efficiency ratio
75,594Assets per employee
2.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
113.43%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
219.59%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
0.63%Net loans and leases to deposits
110.49%Net loans and leases to core deposits
140.54%Equity capital to assets
7.01%Core capital (leverage) ratio
6.92%Tier 1 risk-based capital ratio
9.28%Total risk-based capital ratio
Memoranda
$10Average assets
$1,707,067Average earning assets
$130,142Average equity
$1,528,012Average loans

First Liberty Bank in Macon, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Liberty Bank - Overview

Assets and Liabilities (December 31, 1999)

Income and Expense (December 31, 1999)

Performance and Condition Ratios (December 31, 1999)

Comment about this bank, ask questions, or add new information about it:

First Liberty Bank in Macon, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Liberty Bank - Overview

Assets and Liabilities (December 31, 1999)

Income and Expense (December 31, 1999)

Performance and Condition Ratios (December 31, 1999)

Comment about this bank, ask questions, or add new information about it:

First Liberty Bank in Macon, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches