FDIC Certificate #: 35089 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Main Street Bank (#9243) Federal Reserve ID: 2845719 Date Established: September 01, 1999 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 74667 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: September 01, 1999 Last Structure Change Effective Date: December 12, 2002 Last Structure Change Process Date: December 20, 2002 Last Data Update: December 20, 2002 Data Source Date: April 05, 2012
Location
Address: 3838 Johns Creek Parkway, Suwanee, GA 30024 County: Forsyth 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: $106.8 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2001)
Dollar figures in thousands
17Total employees (full-time equivalent)
$77,738Total assets
$1,321Cash and due from depository institutions
$250Interest-bearing balances
$7,440Securities
$2,060Federal funds sold & reverse repurchase agreements
$62,022Net loans & leases
$786Loan loss allowance
$0Trading account assets
$3,467Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,428All other assets
$77,738Total liabilities and capital
$68,332Total liabilities
$63,982Total deposits
$61,175Interest-bearing deposits
$63,982Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,950Other borrowed funds
$0Subordinated debt
$400All other liabilities
$9,406Total equity capital
$9,406Total bank equity capital
$9,406Perpetual preferred stock
$0Common stock
$4,847Surplus
$4,747Undivided profits
Memoranda
$-188Noncurrent loans and leases
$11,869Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$407Average Assets, year-to-date
$71,772Average Assets, quarterly
$7,505Volatile liabilities
$62,405Insider loans
$75,016FHLB advances
$24,611Loans and leases held for sale
$354Unused loan commitments
$3,950Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$11,869Total unused commitments
$0Restructured Loans and leases
$786Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$4,702Total interest income
$2,510Total interest expense
$2,192Net interest income
$410Provision for loan and lease losses
$345Total noninterest income
$0Fiduciary activities
$32Service charges on deposit accounts
$0Trading account gains & fees
$313Additional noninterest income
$2,001Total noninterest expense
$1,203Salaries and employee benefits
$277Premises and equipment expense
$521Additional noninterest expense
$126Pre-tax net operating income
$98Securities gains (losses)
-$255Applicable income taxes
$479Income before extraordinary items
$0Extraordinary gains - net
$479Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.37%Yield on earning assets
4.47%Cost of funding earning assets
3.90%Net interest margin
0.61%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
0.61%Net operating income to assets
0.77%Return on assets (ROA)
0.36%Pretax return on assets
5.29%Return on equity (ROE)
5.29%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
78,873Assets per employee
4.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
96.94%Net loans and leases to core deposits
153.63%Equity capital to assets
12.10%Core capital (leverage) ratio
12.46%Tier 1 risk-based capital ratio
13.34%Total risk-based capital ratio
Memoranda
$14Average assets
$62,405Average earning assets
$9,061Average equity
$56,167Average loans
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